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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Student loan

I have a direct consolidation loan serviced by Navient. When I consolidated in 2013, I elected the income based repayment plan ( IBR ) and have complied with the loan terms and annual recertification requirements. When the subsidized portion of my loan became ineligible for interest subsidy after 3 years, Navient failed to notify me. I expect my student loan servicer to work with and not against me, and to keep me abreast of upcoming changes or deadlines that affect repayment. Luckily, with all of the recent scrutiny Navient has received, I logged into my account to review my loans and saw the accrued interest that I had become responsible for some months earlier. Navient 's failure to alert me to significant changes to my account speaks only to Navient 's blatant disregard for its stated purpose and usefulness as a loan servicer helping people with their financial goals. 

Magazine subscribers, for instance, are reminded months in advance that their subscription will be ending soon so that they can act accordingly ; why would n't my student loan servicer offer me the same level of courtesy and support for my larger sum financial expenditure as my magazine subscription company does for an expenditure much smaller?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I refinanced an auto loan with USAA in order to get a better interest rate. The original loan was with them also. I received a new loan rate of 9.25. When I looked at the refinance documents, it showed a credit score of XXXX from XXXX. I have an XXXX account and knew that my credit score was XXXX. 

When I contacted USAA to see if they used additional or different scoring from XXXX, they said they did not. They took it directly from XXXX. I checked XXXX XXXX credit reporting, and the score was XXXX. 

Since all payments were on time, and this was the only credit bureau they used ( score is higher for XXXX and XXXX XXXX, I want to know what factored into this score and this interest rate.
Product: Debt collection

AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

I sent money via Zelle for a dog which I never received. It was {$550.00} + {$150.00} for shipping. I was told they would refund my money said to wait for weekend. Never sent it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I've sent an XXXX  report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and XXXX report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.
Product: Credit reporting or other personal consumer reports

there are 2hard inquiries on my account from barclays bank delaware on XX/XX/2023 and XX/XX/2023 institution info barclays bank delaware XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Product: Credit card

I am filing this complaint against Goldman Sachs Bank USA regarding their failure to resolve my disputes over unauthorized charges on my Apple Credit Card. Despite repeated attempts to dispute these fraudulent charges, the bank has failed to comply with the Fair Credit Billing Act ( FCBA ) ( 15 U.S. Code 1666 ) and has unfairly held me responsible for unauthorized transactions. The disputed charges are as follows : {$840.00} XXXX ( XX/XX/XXXXXXXX  ) {$450.00} Unauthorized Transaction ( XX/XX/XXXX at XXXX XXXX  ) {$69.00} XXXX XXXX ( XX/XX/XXXXXXXX  ) I promptly notified Goldman Sachs of these unauthorized charges and engaged in multiple discussions with their customer support team. I was assured my account would be monitored for 21 days ( Ref # XXXX ), yet I was recharged for the same fraudulent transaction. 

Despite my formal dispute letter sent on XX/XX/XXXX, Goldman Sachs has wrongfully claimed that I am liable for these transactions, alleging that merchandise was delivered or services were rendered. This is factually incorrect, as I never received any services or goods associated with these charges. Furthermore, I was informed that XXXX provided documentation of ticket delivery, but I never received any such email, making it impossible for me to prove a negative. This is an unfair burden placed upon me as the consumer and a direct violation of my FCBA rights. 

Additionally, upon Goldman Sachs sending me an alleged itinerary as proof, I recently discovered that the email mentioned on the alleged itinerary that they sent me, claiming it was mine, was strategically altered and different from my actual email address. This misrepresentation raises further concerns about their investigation process. Enclosed is documentation highlighting this discrepancy. 

Certified Mail. date Received by Goldman Sachs : XX/XX/XXXX Confirmation of receipt by Goldman Sachs further supports my claim that they were properly notified and failed to resolve the dispute in accordance with federal regulations. 

Resolution Sought : I demand the following immediate corrective actions : A full refund of {$840.00} and {$450.00} for the unauthorized charges. 

A formal and unbiased investigation into these fraudulent transactions. 

Compliance with the FCBA, ensuring that I am not unfairly burdened with proving a negative. 

Immediate cessation of negative reporting of these charges to credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ). 

Goldman Sachs ' refusal to resolve this matter violates federal consumer protection laws. I request CFPB intervention to ensure my rights are upheld.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell SPRING OAKS CAPITAL LLC AND XXXX XXXX XXXX XXXX to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

SPRING OAKS CAPITAL LLC Account number : XXXX  Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Mortgage

This mortgage account is actually in my father 's name but he added me to the account as a 3rd party so that I could deal with the account on his behalf. The company added me to the account. I am also on the deed for the land being sold. 

We are attempting to sell a portion of our land and the title company told me to contact the mortgage company in order to get a partial release from them. ( We paid for the land outright and only have a mortgage on the house so I was confused but followed the title company 's instructions ) I emailed the mortgage company starting in XXXX regarding the partial release request. I was told the process would take from 30-60 business days to complete. After emailing the company numerous times without response ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX ) There was no response from them until a letter was mailed on XXXX saying they apologize but it was taking longer than expected and they would be in touch. I also called the company to find out why there was such a delay and lack of response. The dates of my calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. Each time I called I was told there was a packet that was emailed to me and after not hearing from me, they closed the case. Each call after was the same they emailed me and haven't heard a response etc. There was never an email. On the last call of XXXX the person told me there were notes on the file stating they had closed it again due to no response from me. I told them they weren't emailing me and why don't they try to mail the packet. That was two weeks ago and no packet mailed. In addition, this person explained to me that there were notes added to the file in XXXX stating the customer did not receive documents etc which is a lie since there were no phone calls made from in XXXX. I was trying to give them some time to do the right thing. Yesterday XX/XX/XXXX, I received the first email back from the partial release department stating they have received nothing from me and can I provide the documentation again otherwise my account can not be evaluated for partial release. 

I emailed back with the request again and documentation but honestly I think it is a joke to them. They are obviously lying and never sent anything out by email or mail, constantly come up with stories of no response from me which is totally false. I have spoken to supervisors at the company who " escalate '' the request through email but they tell me they have no control over any of it and email to the partial release department is the only avenue I can proceed with. In the meantime, I get emails almost daily of my mortgage statements, XXXX of interest, XXXX XXXX etc so I know they are able to email me. I have no idea why a company would put someone through all of this but I am done playing games with them and want someone to get to the bottom of it. I have a title company waiting to close on land that I own and it has been way over the already ample amount of time that they say they need in order to make a decision. This isn't right, is deceptive and tramples on the rights of every person that does business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2013, the amount is XXXX. I was a student living in Maryland.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX, XXXX, and Equifax on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am formally disputing the CB/EXPRESS account ( Account Number : XXXX ) as reported on my credit reports by XXXX, XXXX, and XXXX. Despite submitting multiple dispute requests over the past several months, CB/EXPRESS has failed to validate this debt within the required 30-day timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Additionally, there are several errors and inconsistencies in how this account is reported, which justify the immediate deletion of this account. 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. 
Error : Reporting a start date in the future is factually incorrect and misleading. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Inconsistent High Balance Reporting : XXXX : High Balance {$1100.00} XXXX : High Balance {$0.00} XXXX : High Balance {$1100.00} Error : The high balance should be consistently reported across all credit bureaus. 
Violation : FCRA 607 ( b ) Inaccurate and inconsistent reporting of high balance. 
Conflicting Reporting on Payment Status : Reported Payment Status : Collection/Chargeoff with a {$0.00} balance. 
Error : If the balance is {$0.00}, the account should not be reported as a collection or charge-off. 
Violation : FCRA 623 ( a ) ( 1 ) Furnishing misleading or inaccurate information. 
Discrepancies in Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : Inconsistent reporting of the last activity date across the bureaus. 
Violation : FCRA 607 ( b ) Failure to ensure consistency in reporting. 
Failure to Validate the Debt : Despite multiple dispute requests, CB/EXPRESS has not provided documentation to validate the debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must verify disputed information within 30 days or delete the account. 
Specific FCRA Violations Failure to Investigate and Verify Disputed Information : Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to validate the debt within 30 days of dispute. 
Failure to Ensure Maximum Possible Accuracy : Violation : FCRA 607 ( b ) Errors in reporting dates, high balances, and payment statuses violate the requirement for accuracy. 
Failure to Delete Unverified Information : Violation : FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified within 30 days, it must be deleted.

Misleading and Conflicting Reporting : Violation : FCRA 623 ( a ) ( 1 ) Providing false or misleading information to the credit bureaus.
Product: Mortgage

I keep getting notices from Lakeview loan servicing XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. I have left them a number of voice mail messages and returned a number of pieces of mail that they keep sending to my address for a XXXX XXXX who lives at XXXX XXXX XXXX XXXX which is also XXXX XXXX. suspect that this is due to the realator making an error on the listing address of the house XXXX XXXX ended up buying at XXXX XXXX XXXX XXXX. 

I am concerned that these mortgage documents might be filed on my address incorrectly as my mortage is with XXXX XXXX and i have no idea who Lakeview is other then they don't answer the phone nor do they return phone calls
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : 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 

I have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately.

Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The Experian, XXXX, and XXXX Credit Bureaus are required to removed the following mentioned items above.
Product: Credit reporting or other personal consumer reports

Dear Equifax Representatives, I am writing to demand the immediate removal of nine ( 9 ) inaccurate and unverifiable accounts from my credit report. I submitted a dispute on XX/XX/XXXX, and it is now XX/XX/XXXX. Your failure to resolve this dispute within the legally mandated 30-day timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i. 

Under FCRA 1681i, you are required to complete your investigation within 30 days unless additional information is provided during that period. I have not submitted any new information since my initial dispute, which included the following documentation : A notarized affidavit confirming my identity. 
A Federal Trade Commission ( FTC ) report. 
A copy of my government-issued ID. 

The accounts in question are inaccurate, unverifiable, and harm my financial standing. Despite having sufficient time and the necessary documentation to conduct a thorough investigation, XXXX has failed to comply with federal timelines and has perpetuated the damage caused by these erroneous entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX*Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Payday loan, title loan, or personal loan

This company refused payment according to the contract it was breeched i no longer owe this debt under the federal fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX, XX/XX/2022 3. XXXX XXXX XXXX XXXX, XX/XX/2022 4. XXXX, XX/XX/2022 5. XXXX XXXX, XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

Bank of America and myself have had a very long history on my home mortgage. I purchased the house in XXXX-refinanced with Bank of America XXXX, home equity loan which allowed me to pay my own taxes. In XXXX. Bank of America changed the terms of the agreement and began to escrow the account to cover homeowner taxes, insurance, water, sewer and trash bills ( {$2500.00} ) a year. In XXXX, I refinance the home loan with another lender. Bank of America provided information that all my XXXX taxes, insurances, water, sewer and trash bills would be paid from the accumulated escrow applied to the back end of the loan. I only owed {$46000.00} on the exiting loan, however Bank of America added over {$10000.00} in escrow amounts to the loan. I had never been late of the loan monthly agreed mortgage payments, they claim this escrow was for taxes. I recently received a tax bill from XXXX. The total pay off amounts where at the end of XXXX XXXX, total pay off of the loan was XXXX, which was pay off by another banking company. There should not be any taxes still owed in XXXX, according to the documentations and information provided to me at the time of the pay off of the exiting loan. Bank of America refuse to provide me with a refund of the differences in escrow at the time and now I owe for XXXX. This procedure can not be accurate.