23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to

assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table fr
om any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wontbe violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I purchased a pair of sneakers with my credit card from an XXXX seller on XXXX XXXX, 2021. They were never sent, nor was there any reply from the seller after repeated attempts to contact. I went through the XXXX refund process, which was finally granted on XX/XX/XXXX, 2021. XXXX refunded my money. Cut to XXXX months ago ( about XXXX 2021 ) I started receiving emails from American Coradius International, LLC., also known as ACI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, who said I had a negative balance on XXXX and needed to pay them money. I contacted XXXX to ask them if this was true, and they said no. They also said to disregard these emails as a scam, as XXXX is it's own collection agency. Cut to last month ( XXXX 2021 ) when I received a letter in the mail from ACI to pay this same " debt. '' As they asked, I sent a note back saying I disputed the debt, and they would send proof of debt. Yesterday I received another letter from them, along with a letter with XXXX letterhead listing the debt and information from the XXXX purchase with this seller from back in XXXX 2021. What? ACI is representing a zero feedback seller from XXXX who wants XXXX bucks, of which they will get XXXX bucks, on an purchase that never happened? I don't get the math. There is no debt with XXXX, there is no negative balance, there are no sneakers, shall I go on?
Product: Debt collection

I have recently filed a complaint in federal court against Firstsource Advantage , LLC for multiple violations of the Fair Debt Collection Practices Act and Illinois Collection Agency Act. Firstsource Advantage , LLC repeatedly continued to send me emails in attempt to collect the debt after I clearly stated in an email that I refuse the pay the debt, thus engaging in abusive, harassing, and oppressive conduct. This type of conduct is unacceptable, unlawful and this company must be held accountable.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

There are 5 separate collection accounts from preferred collection and management XXXX for debts they claim are from XXXX XXXX XXXX XXXX dates assigned to them range fromXX/XX/2014 toXX/XX/2017 acct # s XXXX, XXXX, XXXX,XXXX and XXXX. I have requested multiple times for invoices for these accts they claim are mine and since XXXX they have yet to provide them. They have my updated address and still no avail. I am demanding that these items be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

All student loans ( both Federal and private ) that were on my account with XXXX were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, XXXX is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.
Product: Checking or savings account

I went this evening ( XXXX ) to use my roar money debit card to buy some food. The card gets declined. I have {$520.00} in the account. I contacted customer support to only be told scripted mumbo jumbo about sending documents, and the account will be unlocked in 7-10 days. All transaction history was done by me after carefully reviewing it. I'm not sending them any documents or waiting 7 to 10 days to use my money, because I did nothing wrong. I demanded numerous times to release my funds and they refused. 
I had this same issue around the XXXX of XXXX this year, and now I'm considering after this complaint is resolved filing a law suit for damages against them.
Product: Mortgage

I have a first position HELOC that was originated with XXXX before the Wells Fargo buyout. During the recession that started in 2008 the line was frozen due to credit challenges I endured due to my being in the mortgage industry. I have never been late on any payment on the line since its inception with XXXX. Despite having enough time between negative entries on my cedit report and the present day to get a conventional loan, Wells Fargo will not un-freeze the line, even with a reduced credit line amount to the present balance. I have applied 3 times over the past few years. I believe this is becuase the original contract with XXXX has a interest rate of prime - .50 %. Their purcahse of XXXX did not give them the right to unduly burden the XXXX customers they acquired.
Product: Credit card or prepaid card

I found 2 transactions that were made without my knowledge. Transaction date : XX/XX/2022, amount XXXX $ and transaction date : XX/XX/2022, amount XXXX XXXX Both from XXXX XXXX 
I immediately notified Barclay of this fraud on my Frontier master card. After the second try, they returned the money to my credit account and said they would investigate these transactions with the merchant. and after 2 months I received two letters in one envelope. The first letter says that the fraud investigation was completed and I am not responsible for fraudulent activity but another letter says : we have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. When I called and asked what does it mean? Answer is : they know the name of these swindler passengers : XXXX XXXX and XXXX XXXX XXXX, but instead of continuing the investigation and catching these frauds and putting them in prison they told me that since these frauds put my old address in billing information they decided that these people were potentially related to me. Im so upset, Im not feel protected and frustrated I feel that the Barclay company is not on my side, but on the side of fraudsters. if fraudsters were able to steal my personal information and credit cards information, this is not big news, that they can easily find out the addresses that are related to me in public records and this can not be proof that they are related to me. And for real investigators, who want to solve this problem it should be success when they know the name of person. I didnt do anything wrong, I did my payments on time, I use credit card appropriately, I never lost my card or gave to another person!
Product: Student loan

I have contacted Mohela weekly for well over a year to get information on my Public Service Loan Forgiveness ( PSLF ) loans. No one ever has the same answer, every person states they are in training, and will then attempt to " transfer '' me to a representative who is " advanced '' but I will then sit on hold for upwards of an hour or longer and have been disconnected only to have to go through the phone tree again. 
After finally being told I needed to consolidate my loan, after calling several times, l had hopes there would be some kind of movement on my account. There was not. My loans were in forbearance and now I have a payment due despite showing I have made more than enough payments to have student loan forgiveness. Again, when I attempt to get answers, l am sent back to the phone tree/new hire/holding forever spiral. It is unprofessional and unacceptable. I appreciate that I am able to make time to even attempt to call, because I know others may not be able to do that.
Product: Mortgage

I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The master servicer of the loan is Bank of America. The modification process was being serviced by XXXX XXXX XXXX. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more  bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that  has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but XXXX did not listen and did not order a reappraisal Finally, XXXX referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX  XXXX XXXX Balance Owed : {$4500.00} ; XXXX  XXXX XXXX Balance XXXX XXXX {$2700.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. ''
Product: Student loan

Working with EdFinancial on getting my student loan payments refunded. 

XXXX I placed a loan refund request for XXXX, or my full balance paid during the pandemic payment pause. Received verbal confirmation of the XXXX amount. 

XX/XX/XXXX, I had called again to re-confirm. Verbal confirmation again of the balance. 

XX/XX/XXXX, only XXXX of the balance had been reinstated onto my Edfinancial account. 

XX/XX/XXXX, I called edfinancial again to check in. I found out that the initial request on XXXX was only placed for 2 payments totaling XXXX. A second request was placed on XX/XX/XXXX for the remaining balance after my call on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I purchased a car from XXXX XXXX XXXX in XX/XX/XXXX this company was sold to First Investors around XX/XX/XXXX. I have disputed the late payments being reported from XXXX XXXX XXXX to First Investors. I received a notice stating that First Investors verified the information from XXXX XXXX XXXX   and the payments are accurate, and have been verified. This is untrue as no one works in XXXX XXXX XXXX any longer. I discovered this from doing research on my own. The company has dissolved. I spoke to a rep from First Investors that stated that they verified the payments going back to XXXX as they used records that XXXX provided them. My question is how can this be validated and verified as XXXX reported the information incorrectly. This would make the entire payment history of late payments unverifiable and unable to be validated. There are many incorrect payments statuses on my credit report that XXXX XXXX XXXX posted but it is listed under First Investors.
Product: Mortgage

Mortgage XXXX Violations!!! Fair Debt Collection Practices Act Violation!!! 

1. NewRez/Shellpoint has reporting error for XX/XX/XXXX regarding payment status. 

XXXX. In XX/XX/XXXX, after reporting the error and submitting proof of the erroneous reporting, NewRez/Shellpoint withdrew a payment from my account for the month of XX/XX/XXXX without proof or notification. 

XXXX. Whenever I attempt to contact anyone, I am advised that the company is a debt collection company! 

In XX/XX/XXXX, I submitted a dispute with the credit reporting agencies regarding an erroneous late payment being reported for the month of XXXX XXXX. I attached proof stating that NewRez/Shellpoint did not accept payment, and therefore should not be reporting a 30 day late status for that period. 

After reporting the error, the company removed a payment for the month of XX/XX/XXXX from my account. I was advised after 5 months, it was discovered I did not pay the month of XXXX. Also, after review of the account, the payment that I made in XXXX was applied to the month of XXXX because I was behind a payment. 

This was done without notification. I was not provided any proof for removing the payment. This is an explicit mortgage servicing violation! I was made aware of the information on XX/XX/XXXX when calling to check the status of the correction. If I had not called in, my account would have fallen behind 30 days according to the changes that were made by personnel.
Product: Credit reporting or other personal consumer reports

My student loan with advantage was removed from my consumer report I had two loan under the same account number one was removed and the other account is still on my report Account # XXXX
Product: Bank account or service

My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.
Product: Debt collection

When Portfolio Recovery Associates ( LLC ) first began calling me in XXXX, I explained that I did not know them or owe them or their people any money. I asked them nicely to stop calling me, but they call me all through the day-everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay a monthly fee for Equifax score watch consumer product however Equifax fails to update my credit score I paid several account off in the past 45 days Equifax report shows that the account balances did drcrrase however my credit score has remained the same the other consumer reporting agencies has received the same information as Equifax and my credit score with them has increased over 100 points in addition one creditor has advised me that they were unsuccessful even trying to pull my credit from Equifax because it comes back with no score
Product: Credit card

I contact ally bank three times regarding my dispute with XXXX for {$230.00}. I was told the dispute was solve and I would get a credit did not het a credit. I provided all the documents the bank asked for.
Product: Debt collection

Debt was paid. Called multiple times and company has not told me when they will process the Warrant of Satisfaction. Would like them to issue the Warrant of Satisfaction and Release of Lien.

I called and no one has the timefreame information. I have received copied from two other agencies within the same time frame. They are telling me it's related to the courts however, I am requesting a copy of what MCM is sending to the courts. Not the response from the court. What I am requesting comes from MCM, not the courts so there's no real reason for a delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, XXXX  i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.