23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Back on XX/XX/2023, I received an overdraft letter from Capital One 360 stating there wasn't enough money available in my account to cover the payment. Copy of letter included in document attached. The check was to cover by electric, water and trash collection for the month of {$170.00} with my town of XXXX XXXX  also attached. I wound up paying a agreed upon {$30.00} charge, as indicated in my document. 

The issue at hand is that on my call to Capital One 360 on XX/XX/2023 first by a customer service Representative that I no longer had the {$1000.00} overdraft. I explained that I had never received any notice that it had been canceled. I then asked for her supervisor. A lady by the first name of XXXX came on she said she was part of the Management team to help me. I explained once again that I had never received any notice of cancelation. She said it would have been by e mail not first-class letter. I said repeatedly I never received either to the best of my knowledge and you should reimburse me for the {$30.00}. They could not even give me date of the e mail just no transparency. Sure, my error in not having the full {$170.00} in my account. It's not fair. The only other time I have had an overdraft in my life is 9 years ago when I was in the hospital for one week and by overdraft was covered at that time. I take my bills seriously I have XXXX credit score with XXXX XXXX, I'm not a dead beat. A large banking company should at least tell me with proof I had gotten notice of this cancelation. I'm my humble opinion at least send letter of cancellationnot in an e mail which like I said I had no record of.
Product: Mortgage

In accordance with the ( FCRA ) Fair Credit Act Section 609 ( a ) ( 1 ) ( A ). I 've formally requested PHH Mortgage to provide proof of the original consumer contract with my execution of signature on record for the following documents : Note, Deed of Trust and the loan application. They have not responded to my request. Failure to verify accounts in records in complance with FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promply removed. I formally demand the following accounts to be verified. 1. ) Mortgage Service Center account 2. ) Mortgage Service Center account.
Product: Mortgage

Made payments vie money orders during 2024 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and of {$1200.00} and according to statement, none were credited to account. Company filed foreclosure twice during this time, which to try to save my property on advice of an attorney I filed for XXXX  XXXX. At one time ( XXXX ) the attorney talked to a representative from Fay Services LLC and asked about the payments being sent/credited to my account and he suggested that I send payments ( check ) to a XXXX, Tx, address instead of the previous Illinois address that I have always used. I sent it and in XXXX after they filed for foreclosure again I received by XXXX the return check! I had to try to refile XXXX XXXX because of the rushed foreclosure date on the XXXX of XX/XX/2024, Even though I filed before that date, they went through with the auction of my property before Bankruptcy was determined. Which was not legally alloyed. I am trying to keep my property, I had some financial circumstances last year but have corrected them and was moving on. I live in Maryland and they have from my understanding certain foreclosure laws that restrict avenues of recovery of my property. Also note that when this company assumed the loan from XXXX  they didn't go with the loan arrangement and I was told at the beginning of 2024 that I was not eligible to apply for Loss Mitigation. I was sent the new payment amount starting in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NOT received any confirmation or factual information on how you have verified the alleged account attached in Exhibit C. Therefore I request that you consider this a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting XXXX  ( copied from the affidavit attached ) XXXX
Product: Debt collection

I have been trying to work with this agency to resolve an outstanding debt with a physical therapy office. They have refused to verify the debt and never told me they required written request to verify debt until I hired an attorney to resolve the issue. I was never sent any notice by this agency at all - I called them after I saw a collection report on my credit. They told me I could fax in the request, but then refused to confirm whether or not they had received my request. They kept telling me unless they received a written request they refused to verify the debt for which they were ruining my credit. They also changed the amount I owed so now there are two collections on my credit, which is incorrect. Every time I try to talk to them they tell me I am being " combative '' and end the call.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint with XXXX for disputes I filed through their website. They were not handle in proper manner after 40 days. The account still remains on my credit report it's been over 7 years.
Product: Debt collection

This discrepancy is unacceptable and calls into question the integrity of your credit reporting process. This not only raises serious concerns about your bureau 's commitment to compliance with the law but also places an unjust burden on my financial standing. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX PLEASE REMOVE!!! I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. 

If you have failed to verify the accuracy of the information, I demand that you take immediate steps to rectify this by engaging in a thorough verification process. The information in question is not only damaging but has been proven inaccurate by other credit bureaus. Promptly correct the inaccurate information on my credit report to accurately reflect my credit history. If you are unable or unwilling to verify the accuracy, I insist on the immediate removal of such information.
Product: Credit card or prepaid card

XXXX XXXX renewed a XXXX XXXX called XXXX on my Apple Card ( XXXX XXXX ) and I did not authorize them to charge anything on this account. I have never used my Apple Card and never authorized XXXX XXXX to renew anything that I subscribe to via my XXXX. I have called Apple Card ( Goldman Sachs ) three times to file a transaction dispute and reversal of charge ( as fraudulent or unauthorized by me ). My first dispute was in XXXX Dispute number XXXX which they reversed the credit to my card and said they had insufficient evidence. I then became 30-days passed due. I was unaware of their reversal until XXXX. On XX/XX/XXXX I filed a second dispute XXXX which they claim can take up to 2 billing cycles and up to XX/XX/XXXX to resolve. In the meantime, my account appears now as 60 days past due. I had a credit score way into the 800s and now it has dropped to XXXX! I called again today XX/XX/XXXX and requested a escalation for resolution. I refuse to pay for a transaction that I did not authorize and I do not owe them any money. I spoke with a XXXX at Goldman Sachs Agent ID XXXX XXXX and she said she was requesting a escalation for resolution. I have made all my credit payments on my Mortgage, Car Loan, and all other Credit lines 100 % on time. I do not owe Goldman Sachs ( Apple Card ) any money. I want this fraudulent and what appears as a delinquency off my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, Experian and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

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

Dispute with credit card : XXXX XXXX Dispute with chase debit also with child support payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a Federal Trade Commission Identity Theft Report to XXXX XXXX, XXXX and Equifax. The following accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized, and not mine : Accounts : 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, Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
Product: Debt collection

A random negative account for XXXX XXXX XXXX XXXX showing a {$1100.00} debt appeared on XXXX credit report. Absolutely no communication with company on their part has occurred. Disputed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 obtain a copy of my credit report without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 my XXXX  applied for a XXXX XXXX  Card issued by XXXX XXXX for me for {$1100.00}. The application was approved for {$1100.00}. I received the card which was maxed out with no available credit. XX/XX/2020, I received an alert from Experian which stated, " New Account XXXX/XXXX. '' Then on XX/XX/2020 I received another alert that said " Inquiry - XXXX. '' Another alert on XX/XX/2020 that said " XXXX Fico Score down 52 points. '' The last alert reads " Credit Rating decreased Fair. '' I have one negative item on my credit report. The 52-point decrease by Experian is excessive. It is twice the amount of XXXX  and XXXX XXXX. XXXX  decreased my score by -27 points and XXXX XXXX decreased my score by -22 points. My score was XXXX now it is XXXX. I believe Experian is participating in unethical behavior to get consumers to enroll in their Boost program in hopes of raising their Fico score. I have been inundated with ads and popups from Experian about their Boost program. I submit this complaint to have Experian investigated. How many consumers have had Experian drop their scores excessively and then enroll in the Boost program out of desperation? Why is Experian 's decrease in scoring twice the amount of the other bureaus?
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to LOANDEPOTXXXX  LLC XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to dispute the validity of a debt that your company is attempting to collect from me. This letter is a formal validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ).

I am requesting that you provide me with the following information : 1. The original creditor 's name and address.

2. The amount of the alleged debt.

3. Verification of the debt, including any documents that prove I owe the debt.

4. A copy of the original contract or agreement that created the debt, if applicable.

5. The date the debt was incurred and when it was assigned to your company.

6. A complete payment history showing all payments made and any charges or fees added to the account. 

I am also requesting that you cease all collection activities until you have provided me with the requested information. Please note that failure to provide this information within 30 days will result in my assumption that the debt is not valid and must be removed from my credit report. 

I would also like to request that all future communication regarding this debt be done in writing and sent to the address listed above. I do not wish to receive any phone calls regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe. 

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

Fraud Alert Placed on my Credit file without my permission .... NOT authorized,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. 
XXXX XXXX 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with Alliant Credit Union by someone using my name, home address, and SSN. 
Contacted Alliant Credit Union Fraudulent department.
Product: Student loan

To Whom It May Concern, I am filing a formal complaint regarding a potential breach of contract, privacy violation, and FERPA ( Family Educational Rights and Privacy Act ) non-compliance concerning my federal student loan information managed by Nelnet. 

I have reason to believe that my confidential student loan information may have been accessed, viewed, or misused without my consent in violation of : 1. FERPA ( Family Educational Rights and Privacy Act ) Protects student records, including loan information.

2. The Privacy Act of 1974 Limits how federal agencies share personal data.

3. Breach of Contract My loan servicer ( Nelnet ) and the Department of Education have a legal obligation to protect my sensitive financial data. 

4. Consumer Protection Laws If my loan data was accessed by an unauthorized third party, this could be a case of fraud or negligence. 



As a borrower, I signed a contract assuming that my loan servicer ( Nelnet ) and the Department of Education would protect my information from unauthorized access. 

If XXXX XXXX or any unauthorized entity accessed federal loan data, this could be a serious breach of confidentiality under FERPA and Privacy Act regulations. 

Any unauthorized third-party surveillance or data breach compromising my financial records creates potential for identity theft, fraud, and contract violations. 



1. Conduct a full audit of who has accessed my student loan information.

2. Provide written confirmation of whether any third-party entity has had access to my personal or financial records.

3. Explain whether my student loan servicer ( Nelnet ) has reported any data breaches regarding borrower accounts.

4. Determine whether unauthorized access qualifies for loan forgiveness due to contract violation.

5. Outline steps for corrective action to ensure that no further unauthorized access occurs.

I demand immediate investigation into this matter, as my loan servicer and the Department of Education are responsible for ensuring the security of my private data. If my rights under FERPA and the Privacy Act have been violated, I expect appropriate legal and financial remedies, including potential loan forgiveness for contract breach.
Product: Student loan

bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect Experian and XXXX  to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, Experian, or XXXX  need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. Experian, XXXX, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!
Product: Credit card

Disputing American Express issuing credit card ( allowing for credit increases ) to XXXX. 

History shows long-term history ( 30+ years ) for none and late payments on credit cards, mortgages, utilities, taxes, etc. with low FICO scores ( approx. XXXX-XXXX range ), unemployment ... and income under XXXX,, ( SS and Pension ). Background check would have also shown XXXX active credit cards. 

Also, harassing/intimidating phone calls requesting immediate " pay-by-phone '' checking withdrawals should be illegal. Approval given under the influence of XXXX ... resulting in " insufficient funds '' /fees for bounced checks. 

Feel it is banks negligence that caused him to fall into a black hole of debt IMPOSSIBLE to climb out of. Rather than additional credit, there should have been a limit with cancellation imposed ... NOT increase or allow additional credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7200.00}
Product: Debt collection

I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX