23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!
Product: Credit reporting or other personal consumer reports

XXXX TRANSUNION. SENT A DISPUTE TO XXXX XXXX XXXX  THE COMPANY STOPPED COLLECTION AND DELETED THE ACCOUNT, BUT YOU ARE STILL REPORTING IT. THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA AND YOU ARE REQUIRED TO DELETE THE ACCOUNT IF THE FURNISHER DELETES IT. I WILL IMMEDIATELY TAKE LEGA ACTION FOR THIS WILLFUL NON-COMPLIANCE. I HAVE ATTACHED PROOF THEY HAVE DELETED THE ACCOUNT AND STOPPED COLLECTION.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing 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 Balance : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.
Product: Student loan

My student loans were defaulted even though I was enrolled at school. They started the timer on my payments when I should have been under the protection of In School Deferred payment status. From the day you leave school you have 6 months before you start making payments. As you can see by my transcripts I was enrolled in school and the timer for payments was started while in school which lead to a default that was inaccurate. 

I was notified of default and spoke to NMEAF to advise I was enrolled during those periods that they have me as delinquent. Had my information been accurate I would not have been in default. Even with giving NMEAF this information they chose to leave my loans in default status. This benefits NMEAF as they receive payment from the government. 

The affects of this Default are far reaching, 1. I have had to pay a higher interest rate being that I had to consolidate my loans. This has raised my overall payment and is costing more money.

2. I am disqualified from Public Service Loan Forgiveness with a default. I am a XXXX XXXX and was planning on working for PSLF. 
3. It has ruined my credit report due to the default and the inaccuracies that NMEAF choses to report. 

First delinquency is showing XX/XX/XXXX with default taking place in XX/XX/XXXX. I spoke to NMEAF about my enrollment status that same month XX/XX/XXXX, I consolidated my student loans that same month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello Equifax, XXXX XXXX and XXXX keep sending me stall letters every time I send them dispute letters. I have sent about XXXX dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.
Product: Debt collection

Resurgent is trying to collect a almost XXXX debt with a XXXX that is not mine!! 
I have no idea who opened and used my information since XXXX  they said!!! 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> EXPERIAN Re : Dispute of Inaccurate Information Under FCRA Section 1681 ( o ) Dear Sir/Madam, I am writing to formally dispute information listed on my credit report under the provisions of Section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to dispute any information that has been negligently reported or inaccurately included on my credit file. It has come to my attention that the following information, which I believe to be incorrect or negligently reported, has been included on my credit report : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 1586**** As per the FCRA, I request that you conduct a thorough investigation into this matter. I believe that the inclusion of this incorrect information constitutes negligence, and I am seeking correction or removal of the disputed items under the civil liability provisions of Section 1681 ( o ).

I would appreciate it if you could respond within the 30-day time frame prescribed by the FCRA, as well as provide me with documentation or evidence that substantiates the accuracy of the disputed information. If you can not provide sufficient evidence, I respectfully request that the information be removed or corrected.

Please confirm that you have received this dispute and are initiating an investigation into the matter. If necessary, I am prepared to pursue further action, including filing a complaint or seeking legal redress for any violations under the FCRA.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation, including the specific actions taken to resolve the dispute. 
Sincerely, XXXX XXXX
Product: Mortgage

Received a letter from Dovenmhule in XXXX for overpayment on escrow account after loan was sold sent in the paperwork they requested certified mail try to call the company and just get the runaround and still no refund has been sent
Product: Debt collection

on XX/XX/XXXX I received a letter from Dynamic RecoverySolutions whom I have never heard of saying that I owe XXXX XXXX XXXX $ XXXXXXXX.and wanting me to make arrangements to pay them. The date of service was suppose to be XX/XX/XXXX. I was not in the hospital at XXXX in and at no time. they are saying I better make arrangements to pay ASAP. I have good credit and my credit is monitored threw an agency to and this is not and never has been on my record. people like this need to quit scamming people.
Product: Credit card

I am writing to express my dissatisfaction with the discrepancy between the promotional terms advertised on the Capital One website and the terms I was provided with after applying for the Capital One SavorOne Rewards credit card. 

Three months ago, I applied for the Capital One SavorOne Rewards credit card during a promotional offer wherein the cardholder would receive a {$200.00} sign-up bonus upon spending {$500.00} within three months. According to the terms listed on the Capital One website ( see screenshot attached ) : " This one-time bonus is available by clicking the 'Apply Now ' button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. '' Despite meeting all the requirements above, the sign-up bonus has not been posted to my account as of today, XX/XX/XXXX. In light of this, I contacted Capital One 's customer service, and the representative I spoke to, XXXX, informed me that my credit card offer had different terms compared to those displayed on the website. She asserted that I had not applied for the correct credit card, despite my clear understanding that I did. 

XXXX proceeded to share the credit card terms with me through the Capital One portal site ( please see attached ). However, it is my understanding that credit card terms and disclosures should not include sign-up bonus details within the document. This discrepancy between the advertised terms and the terms provided to me post-application constitutes misleading marketing practices, as it led me to sign up for the credit card with specific expectations based on the language written on the website. 

Given these circumstances, I am submitting a formal complaint to the Consumer Financial Protection Bureau regarding this issue. I believe that Capital One 's failure to honor the advertised terms constitutes a breach of trust and fairness towards its customers. 

I respectfully request a thorough investigation into this matter and a resolution that aligns with the original terms advertised. Additionally, I expect transparency and accountability from Capital One in addressing this issue promptly. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution.
Product: Debt collection

ive disputed this on multiple occasions and the company doesnt provided me with any information, Due to the data breach and identity theft on with my personal information I want this to be deleted off of my personal information
Product: Credit reporting or other personal consumer reports

I contacted NAVY FEDERAL CREDIT UNION and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws. 

Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. 

Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2
Product: Student loan

I called Mohela today and I have been unable to speak with a live representative. I keep being passed from automated to automated machine. No option of speaking with anyone. After 30 minutes going around in circles I gave up. I just need to speak to a live representative so I can get the assistance I need.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. 

Creditor Name : Southwest Credit Sys Date of Inquiry XX/XX/2023 Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. 

By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. 

Sincerely thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit 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 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 Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Product: Debt collection

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of my account Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. my info ive been stolen in XXXX my XXXX card i did a report to the police station in XXXX cause i hade to go to court about identify theft in XXXX i do have multiple police reports.
Product: Debt or credit management

I submitted payments for multiple months in 2023 for my husband and I totaling about {$150.00} each month. Not much changed with our credit reports but I was promised by the rep that it could be fixed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccuracies and inconsistencies on EXPERIAN and XXXX and XXXX Further, the late payment histories are inaccurate/inconsistent in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of the discrepancies, circled.

15 USC 1681e states : ( 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.

15 USC 1681i states : ( 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.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Debt collection

AWA COLLECTIONS is reporting a debt I do not know. I have not signed a contract with them. I do not know who this company is. When I contacted them they did not give me any relevant information. The are violating FCRA rules
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT COMP reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX. 
I called FORD and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the 3 BR while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!