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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this issue.
Product: Mortgage

In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.
Product: Debt collection

My insurance, XXXX XXXX XXXX, paid XXXX XXXX   {$720.00} in XXXX XXXX  2014.

I have sent the XXXX XXXX  several times to the collection agency, Bull City Financial Solutions, showing the XXXX payment to XXXX XXXX.

Bull City has not offered a reason that the debt is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an address that i have never lived at. I disputed the address and it remains. I am not able to submit dispute any longer. Please see below the address is occupied by a Law Firm. this is Not a Residence. 

XXXX XXXX in XXXX, FL | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL https : XXXX Kel Attorneys XXXX XXXX, FL -- XXXX, Phone Number, Reviews, Photos and Video Profile for XXXX FL XXXX XXXX. XXXX XXXX appears in : XXXX Services. 

Requesting that the address be deleted as I Have Never Lived at this Address.
Product: Student loan

I received word from XXXX that is was time to recertify my IBR plan. I chose instead to enter a standard repayment plan. The change was processed by the servicer and I was given a month of administrative forbearance. 

On XX/XX/XXXX, I received an interest capitalization notice stating that {$280.00} would be capitalized if not paid by XX/XX/XXXX. Today I logged in to make that payment to prevent any capitalization and in my payment history I noticed that interest capitalization took place on XX/XX/2019. 

You can see from my other attachment that I did not receive any other notices about interest capitalization and I am confused about why this would occur a month early with no notice.
Product: Student loan

Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.
Product: Credit reporting or other personal consumer reports

I do have few ongoing loans. 
I closed most of the account 3 and 6 months before. 
But still my report is not getting updated in Equifax report for more than 6 months. 
As per rule, It should be updated in 30-45 days. 
But for me still not updated. 
Because of this my credit score getting impacted. 
How can I take the responsibility of this when the issue from Equifax side. 
I am sending repeated follow-ups and mails to Equifax for more than ten days. 
I attached my loan account details and its closed dates also as per XXXX  XXXX 
But still there is no positive response from them. 
How these details are reported on time in XXXX XXXX but not in others? 
Please look over this issue. 
I attached my Latest Equifax report and mail content sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync/PayPal Credit was an account my wife opened in XX/XX/XXXX and rarely used. I had no idea the account even existed until XX/XX/XXXX when they suddenly reported the account as seriously delinquent over 120 days and reported it late for the previous 4 months on my credit report. At the time I was in the desert on a military training exercise. As soon as the exercise ended in XX/XX/XXXX, I immediately paid the balance, after speaking with a customer service representative who told me they would take it off my credit report once I paid. Not only did they not take it off my report, they have now reported it 120 days late for XX/XX/XXXX as well, after the account was closed. This account was paid and closed at the beginning of XX/XX/XXXX. Judging from the dozens of recent entries at XXXX XXXX XXXX, many others have the same issue with Sync/PPC. I see that CFPB beat them in court in XX/XX/XXXX for similar issues. 

Additionally, Sync/PPC did not attempt to contact me in regards to the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed CFPB complaint XXXX XXXX against Equifax concerning unauthorized Hard Inquiries listed on my Equifax consumer report. 

Equifax is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. Equifax also violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Equifax was also required by the FCRA to conduct its own independent investigation. 

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. The use of only an ACDV form is not sufficient as per the above sited laws. On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

In Equifaxs response to my CFPB Portal Complaint Equifax plainly states that they merely send consumer disputes to data furnishers for investigation ( ACDV FORM ). Equifax then engages in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation. 

These violations are undeniable proof that XXXX is engaging in fraudulent, deceptive, and unfair business practices by violating the FCRA, FACTA, and The Comprehensive Consumer Credit Reporting Reform Act of XXXX. 


Please DELETE these unauthorized Hard Inquiries due to FCRA violations.
Product: Debt collection

Well this had been a while as i can remember i forgot what date and year it was one of the representative i spoke to that person told me that it will cost a {$100.00} a month up to a year to clean my credit up for a whole year for 12 months i just give the all them all of my information and, at that time they will texts me in let me know what they took off in they dispute what ever what need to be done, as i can remember they said they clean my report up after 12 months. I don't know what i did with all of the emails they send me cause it had been a while in plus i had move and change my phone number. That's all i can remember if you have any questions let me know, Thank You
Product: Checking or savings account

Upon my mother 's death, we learned that her estate included two pending settlement checks. We discussed this with her local branch of Chase Bank in XXXX, Indiana and they recommended a joint account that they would set up to receive funds. We deposited a settlement check into this account on XX/XX/2020 for {$4500.00}. When we checked on the account on XX/XX/XXXX via our Chase BANK app, the account was gone. Neither of us received any notification that there was any problem with our deposit. Numerous calls, all of which involved me repeating the same information, resulted in their " customer service '' asking us to visit a local Chase Bank branch to get it resolved. My brother did and brought the requested documentation. The " relationship banker '' at the XXXX XXXX, Indiana branch took the documentation and then said our case was referred to " the executive '' with no explanation of who or what that was. All calls to the branch went to voice mail and they did not respond to our emails. Calling the corporate number and repeating the story AGAIN to new representatives showed that the branch had not forwarded the required documentation. The representative gave me a number to fax the required documentation to, which I did. I have now had to call and repeat all this YET AGAIN to a lower level customer support person who really has no idea what they need. This is, without a doubt, the most inefficient customer service I have ever encountered. We have acted in good faith from the beginning and Chase Bank treats us as if we did something wrong. Hours on the phone have resulted in getting shuffled from one representative to another, wasting hours of my time. And they still have our deposit, made in good faith, in " holding ''.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX Early Warning Services , LLC Consumer Services Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Identity Theft in Early Warning Services Report Dear Early Warning Services, I am writing to formally dispute inaccurate information in my Early Warning Services report , which is the result of identity theft. I did not authorize the transactions or accounts reported under my name, and I am requesting that these fraudulent items be removed from my report immediately. 

Item ( XXXX ) Disputed Due to Fraudulent Activity Plesse Remove XXXX quick shot Contribution Ref # : XXXX XXXX  Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX SSN/Tax ID XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : OH Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud The following section refers to transactions related to your bank accounts ). 

Reason for Dispute These accounts or transactions were not initiated or authorized by me. They are a result of identity theft, and I was unaware of them until I reviewed my EWS  report. 

Attached, you will find the following documents to support my claim : FTC IDENTITY THEFT REPORT I request that you conduct a reinvestigation of these items and promptly remove the fraudulent information from my report. I also ask for written confirmation that the report has been corrected following the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom It may Concern. I'm reaching out because TRANSUNION CREDIT BUREAU is helping XXXX XXXX XXXX by putting incorrect information relating to my credit report. The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. According to USC1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as a provider of information to a credit reporting agency, it is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report. Thank You
Product: Debt collection

XX/XX/2023 Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Credit Collection Service, LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Credit Collection Service , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX Regards, XXXX XXXX XXXX Natural Person
Product: Debt collection

Im XXXX I returned a car because I originally thought I co-signed it for a friend, well turns out I signed for it. And the friend stopped paying on it so I returned the car. In XXXX they started the warrant in debt and garnishment cases every year but never received any money. I had accepted a job in XX/XX/XXXX but never started. They sent me 2 court summons within the past week for XXXX of XXXX. Its way past state limitations and its off my credit.
Product: Student loan

On XX/XX/2023 Fisrtmark Services sent me a stamente on the following the oustanding principal balance was {$6400.00} the interest was {$60.00} the company was unable to explain why the payments was handled in this manner I told them the discrepancy was arbitrary and innacurate. On XX/XX/2023 I received a new statment with corrections on the oustanding balance the new amount was {$5700.00} the interest was {$59.00}. How I am going to trust FirstMark Services? based on this enormous discrepancies charges on my loan? Is obvious to me that they are mishandling the payments. On XX/XX/2023 I sent a payment in the amount of {$1700.00} the company charme for {$800.00} to paid the supposedly oustanding interest of my loan the remainder of {$950.00} was towards the principal. even though I have not received any statement they the company claim I still owe an oustandi interest of {$59.00} for the current month of XXXX. Every time I called the company give me a different balances o denied I have made payments or simple hang up. Is very frustrating dealing with this company who has demostrated a luck of integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Faith does not make things easy but possible. I was so very badly destructed and out of shape by what I believe is above limit discrimination with no solution. But, recently, I started to improve and attempted to get my very badly fractured life, liberty and pursuit of happiness get done together up to my capacity. I visited the FTC website and found important information about the data breach settlement with EQIFAX. I received the data breach victim notice by the time., but there was nothing new or business was as usual. The most recent complaint that I submitted to the CFPB just weeks ago got resolved in less than two weeks [ I barely get the desired response but this one was amazing may be because it is day light stuff without any string to be attached ]. What is my right? I read that they are paying up to {$20000.00} to some individual victims or consumers. I can not understand in depth., but I confirm that I am one of the consumers who received that notice.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Bank account or service

Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you.