23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.
Product: Debt collection

I continue to 2nd time as of XX/XX/2021 sent verification of this alleged debt but this company continue to reply that I need to send verification to them to update whatever they assumed I owe. XXXX is allowing these companies to furnish false, theft and misleading information hurting the consumer. 

XXXX they sent a response saying verify some information so we can match our records. this sound like fraud to me. if the account and information is not aligning with the government and state laws then removal should be timely forced.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed a copy of my credit report and there are some accounts listed that are the results of fraudulent activity. XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never entered into a consumer credit transaction with any of these companies. I requested an investigation with these companies and I did not receive any evidence of any of these alleged debts. I was also told by one of the companies that they do not have a record of any accounts in my name. So I want these items removed immediately. I have included a copy of my identity theft report as well for further evidence of this fraudulent activity a long with my identification.
Product: Mortgage

My mortgage was previously with XXXX XXXX XXXX  wherein I complained about the misapplication of my mortgage payments. See complaint # XXXX-XXXX and XXXX-XXXX. My loan was transferred to Fay servicing after XXXX XXXX stated they had sold my loan to XXXX XXXX and they washed their hands of the entire situation without answering any questions. Fay servicing was contacted about the loan, however, initially could not locate it, then finally after filing a lawsuit against Fay and XXXX XXXX regarding the upcoming foreclosure a requested reinstatement from Fay Servicing and received one and also XXXX XXXX XXXX which called for them to paid also. The borrower is being asked between the both of them for {$76000.00}, on a reinstatement figure which is no more than a little over 38K. The borrower account has been mishandled in every way, XXXX XXXX wants it both ways, and Fay servicing does not know who's on first. 
Both reinstatement figures differ, moreover, the Trustee is at question here XXXX XXXX who has requested payment for XXXX XXXX the entire time, how then are they taking the place for Fay Servicing, XXXX XXXX and now Fay Servicing is introducing, XXXX XXXX, XXXX XXXX as Legal Title Trustee for the XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : 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

The investigation results were unauthorized and inaccurate. I am a victim of my rights of privacy being violated. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. There is no law that says that you have the authority to report any of my credit information without my consent. A creditor or debt collector must have written permission to furnish any of the consumers information. I did not authorize any furnishings of these accounts and inquiries to my credit report per 15 U.S. Code 1681b ( ii ) - the consumer has to authorize in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be removed at once.
Product: Checking or savings account

I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized with them.
Product: Mortgage

On XX/XX/2019 we called ditech mortgage because we were not receiving a statement. XXXX at ditech in XXXX Arizona mentioned that she could not send us a statement. our option was to pay an amount that she gave us and include this new mortgage account. at this point I asked for a copy of my agreement/ obligation to pay this company. I am still waiting for a copy of this agreement/ note with them.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had bought a bike for {$720.00} from Mr. XXXX online for my husband 's birthday. I received confirmation regarding the order with the promise a tracking number will be sent soon. On XX/XX/XXXX, I reached out through email regarding the charge when the order will be shipped. I received no reply. On XX/XX/XXXX, I requested the cancellation of my order, and my order to be refunded per their lack of response. I received no response and disputed the transaction on XX/XX/XXXX with Apple Card Support. 

1st dispute - I disputed the {$720.00} on my account from Mr. XXXX. I provided the information that not only did I not receive the item, but I was unable to contact the vendor through their support email, and all calls were unanswered, and my voicemails were not returned. I was told by Apple support on XX/XX/XXXX that the transaction had been resolved as " the merchant provided sufficient evidence that you made the purchase. '' 2nd dispute : After the failure of the 1st dispute, I reopened a new dispute as the issue was with not receiving the bike, not fraud on the account. The technical support representative apologized and said that the dispute was imported " wrong '' and re-entered my dispute. 

On XX/XX/XXXX, I received an email from Mr. XXXX stated my order had been canceled and refunded. I checked my account, and no refund was posted to my account. 

On XX/XX/XXXX, I received notification that the dispute was again ruled in the merchant 's favor as " the merchant provided sufficient evidence that you made the purchase. '' 3rd dispute : On XX/XX/XXXX, I disputed the transaction again and was told again that the complaint was entered " incorrectly. '' I was told to send my emails and the refund notice with the dispute for my evidence. I also double-checked with the rep. that the refund by the merchant was never posted ( it was not ). I disputed the transaction again, with the representative saying that her managers will personally track this dispute due to the many issues. 

Today, XX/XX/XXXX, I received a notification that the " Merchant provided supporting evidence or response, '' and the credit will be added to my account. I have still not received a refund for the initial purchase or any product. 

Apple card support ( Goldman Sachs ) is not resolving my disputes in good faith.
Product: Debt collection

unknown debt placed on my credit report  2/18 receiving harassing calls & damaging my credit report score, please help & remove
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures definitely align with my experience since XXXX  to prove to Experian that the alleged debt should be properly investigated. Experian has neither corrected or removed disputed items despite the evidence I provided ( i.e, police report, proof of address ), causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the XXXX  department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account XXXX  XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ADVANTAGE Date of inquiry : XX/XX/2024Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry :XX/XX/2024 Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry :XX/XX/2024 Please remove it from my credit report.
Product: Mortgage

We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.
Product: Checking or savings account

US Bank Business and Personal Accounts Same fraudulent activity identified in our XXXX XXXX XXXX account complaint ( submitted XXXX ) that US Bank is refusing to acknowledge, cover or replace the funds as follows : USBank # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} Total {$20000.00} We have letters from US Bank stating they will refund two sums XXXX {$8700.00} and {$8600.00}. We did in fact receive the {$8700.00} but when asking about the other reimbursement were told for six weeks the check was in the mail. As of XXXX we received a letter saying that were denying any future sums related to this matter. Fraudulent charges were done by former bookkeeper using the XXXX XXXX XXXX. We sent a certified letter to XXXX XXXX requesting reimbursement but no response received. There was additional fraudulent activity using a website called XXXX XXXX totalling approximately {$1000.00} which we believe the bookkeeper is also responsible. 

We want our money back as it is not corporate policy to pay bills with XXXX XXXX as it is not traceable. According to bank records, she " XXXX XXXX '' the money to herself as all the line item entries include her name. 

Copies available of bank transcripts. We also had to close our US Bank accounts at least twice so they will need to provide account # 's of closed accounts because they blocked access when closed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : XXXX XXXX Account not disputed Experian : Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : XXXX claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
Experian reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
XXXX similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests.

Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall financial reputation.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Support Team, I hope this message finds you well. I am writing to request an update to my public records to reflect my current phone number. Ensuring the accuracy of this information is important to me, and I would greatly appreciate your assistance in this matter. 

Phone Number to Add or Update : XXXX To assist with this process, I have included documents that verify my identity and confirm my phone number. Should you need anything further to complete the update, please do not hesitate to contact me. 

I kindly ask that this request be handled at your earliest convenience. I would also appreciate a confirmation once the update has been made. 

Thank you for your attention and support. Feel free to reach out to me at XXXX or XXXX if you require additional information. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

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Product: Credit card

In XXXX I purchased a few jewelry pieces cost was XXXX I received the jewelry, but the name on the jewelry was incorrect. I contacted the shop after about a month or two they stop communicating with me never sent me new merchandise. After making Capital One aware of the situation, I filed a dispute never received a letter in the mail never was told that I can go on my app and look at any information document wise so I never received notice at all if they needed anything on me. The dispute was closed without my knowledge of anythingon XX/XX/XXXX the {$260.00} was added back onto my account on XX/XX/XXXX. I spoke with Capital One. She then told me that she would send me a link to send all my proof over which I did that. It is now XX/XX/XXXX. I havent received any information. The balance is still on my credit card. I spoke with a manager from Capital One. She then told me she couldnt do anything else because they received the proof XX/XX/XXXX which was a day after I sent it in and that she couldnt help me anymore and that charger is going to stay there and that was that. ive sent Capital One pictures screenshots of all the emails that me and the company had as requested on XX/XX/XXXX. I also have the link that they sent me on XX/XX/year> I also told her that that was an accurate that they have the proof. She said it didnt upload until XX/XX/XXXX even though I told her I send it XX/XX/XXXX and I have screenshots and a screen recording on my end. I spoke with XXXX that was all the information she gave me on her, which she said she was a manager who couldnt help at all I told her that the information was inaccurate.