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

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor XXXX XXXX, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over { {$600.00} } reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Bank account or service

I deposited XXXX checks in an ATM in XXXX, New Jersey, for the amount of {$600.00}. The ATM had a malfunction which caused them to be not recognized. I informed bank branch personnel about the problem. They entered the amount in the account and said there would be no problem. The bank provided provisional credit but then reversed without informing me. This caused an overdraft that should not have happened.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.
Product: Credit reporting or other personal consumer reports

I am escalating my ongoing issues with Equifaxs failure to conduct a reasonable investigation of the inaccurate information on my consumer report. Despite my involvement in the Equifax data breach, they continue to report incorrect information as 'verified. ' While Equifax claims certain accounts are 'not reporting, ' they still update monthly and remain visible on my report. 
Equifax 's repeated failures to provide adequate proof of verification and comply with the Fair Credit Reporting Act ( FCRA ) violate my rights as a consumer. I have uploaded my FTC Identity Theft Report with my previous dispute to support my claims. 
If these issues are not resolved promptly, I will have no choice but to escalate my complaint to the Attorney General 's office and pursue further legal action against Equifax for their negligent practices. Therefore, I request the immediate deletion of all disputed accounts from my credit report, as Equifax has not fulfilled its legal obligations to ensure the accuracy of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( Transunion and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
Product: Checking or savings account

I am writing to dispute the recent reversal of funds related to unauthorized transactions with XXXX XXXX on my account. 

On XXXX XXXX, XXXX, XXXX unauthorized withdrawals XXXX of {$50.00} and another of * $ XXXX occurred, and on XXXX XXXX, XXXX, another unauthorized withdrawal of ** $ XXXX was made. I promptly filed a claim for these transactions. Wells Fargo initially credited my checking account for the full disputed amounts. However, XXXX weeks later, Wells Fargo reversed this credit after denying the claim, approving only XXXX of the unauthorized withdrawals. 

I contacted XXXX XXXX, and they directed me to address this issue through my bank. Given that I followed the proper procedure and reported the transactions immediately upon discovery, I am requesting a thorough review of my case. 

Thank you for your attention to this urgent issue.
Product: Student loan

In XXXX and XX/XX/2024, MOHELA has said my payment for my student loans was late despite that payment being removed from my account. In XXXX, they " created an investigation '' that they said would take up to 37 business days to complete. The agent I spoke with on the phone told me that she could see that my payment was there, but it wasn't being applied. Basically, they had my money and weren't putting it onto my student loan account. A couple of months later, after the " investigation " ended, they claimed that my account was put in retroactive forbearance and they never applied that payment because it does not show on my payment history. Now, they are telling me my XXXX payment was late despite again the payment coming out of my bank account. I am waiting for an agent to call me back, but at this point, they have almost {$500.00} of my money and haven't applied those payments properly. I have seen many other borrowers have this same issue with the company, and I think it's time that someone reports them so that it can be handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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: Student loan

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 365 Days ago, or 1 year ago, I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial Services transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in XXXX. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on Loan 4. I never asked or consented for that money to be placed on Loan 4. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity and someone tried to buy car in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact and opinion ... .how totally pathetic their inquiry to me confirms their inability to do even the very basics of reporting. Within your complaint my name and address clearly identified. By fact your application DOES NOT CAPTURE SOCIAL SECURITY NUMBER..The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) .... Yet these losers send me a delay letter asking for more information to confirm my identity. They have responded to you ... how??? Yes how did they respond to you when they do not know who I am????? This charade goes on and on time after time. Could it be their off shore staff does not comprehend English? They have my name, address l and birthdate. So I will give you the last 4 SS again because they need NOTHING ELSE but help to get things right. And while your at it fix your non functioning software which rejects the social security number XXXX
Product: Mortgage

Movement Mortgage has displayed a continuous and ongoing pattern of mismanagement and manipulation of my XXXX XXXX XXXXXXXX loan. After several specific issues related to my Escrow account such as Movement 's failure to disburse funds by the due date, Movement disbursing funds AFTER the due date and after I've made payments directly, etc, I formally requested that Movement close my Escrow account so that I may manage Insurance & Tax payments directly, as I've been doing anyway due to their mismanagement. 
Movement approved the Escrow account closure, then denied it, then re-approved the closure citing Clerical Issues on their backend, etc etc etc. 
On XX/XX/XXXX, I received a letter from XXXX XXXX indicating all backend clerical issues had been addressed, and that my Escrow account is now closed, and that my surplus Escrow funds had been mailed directly to me on XX/XX/XXXX, and I should receive that check in the mail within 7-10 business days. 
Naturally, I haven't received any Escrow refund check as of today XX/XX/XXXX. Furthermore, I see within my Movement Payment Portal that on XX/XX/XXXX, Movement has once again disbursed yet another duplicate Tax payment from my Escrow account which should have already been closed. Furthermore, due to this latest inexplicable disbursement, there is now another SHORTAGE within my Escrow account which shouldn't exist. On XX/XX/XXXX I also received a letter from Movement that my monthly payments will now INCREASE as a result of this manufactured shortage on my Escrow account which shouldn't exist. I'm requesting CFPB to step in here once again to help me find resolution. I've attached a timeline of events as reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney GeneraXXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

Called Wells Fargo to report card missing and that I had charges that werent mine. Told them repeatly the charges were all on the same day. They denied my claim. In 6 years I never put in any other claim. Claim # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used MoneyGram to transfer money to a bank account. The transaction was processed under reference number XXXX. I received a text that the Transaction was completed and money was sent about XXXX on XX/XX/XXXX. Checked the receivers bank account and money was not available. Their site says it would be available in the account within hours. Next couple days go by and no money but they did take my money and could not tell me where it was {$950.00} which was needed for a mortgage payment that the receiver is now behind on because of this company. Contact MoneyGram, they verified the recievers account information with me and told me everything was correct but still could not tell me where my money was said that they could not cancel the transaction because it was already completed but they would open up an investigation but it would take up to 90 days I said this matter can not wait 90 days as its for a mortgage payment they claim they would escalate it. Called the receivers bank and they showed no record of an incoming transfer, asked MoneyGram for the fed reference number so that the bank could investigate and they would not provide it to me and it was not on the receipt for the transfer. XX/XX/XXXX ( today ) I reached back out to MoneyGram to let them know the money still is not there in the account, the rep today now tells me the funds were rejected by the bank because account information was incorrect ( it was not incorrect I had already previously verified this with them before ) I also pointed out I noticed on my transaction details on their site it says I processed transaction on XX/XX/XXXX which was correct but it was saying completion date XX/XX/XXXX how is that even Possible? Its like it was a fake receipt or something and they just took my money. After pointing that out the rep just abruptly canceled my transaction saying it will be refunded to me within 10 days and then closed the chat on me. I see nothing but hundreds of complaints online about them saying people will receive refunds and they dont get them in the 10 days as promised I want this noted because I want my money back this is not a game and has caused someone to be behind on their mortgage. Their playing with peoples money. I look at the email I got today about the transaction being canceled and it isnt even correct it says that the Transaction is canceled and will be refunded but listed the receive method as cash pickup and it was not a cash pickup it was an attempt to transfer to a bank account how can you even get that wrong? Seems like they are fraudulent and taking peoples money and holding it for whatever reason but it needs to be investigated and I want my money returned to me in the promised time frame. Literally all the complaints online sad similar to mine I dont know how this company is still able to conduct business and deal with peoples money this is so unacceptable.
Product: Student loan

Lent amount predictably uncollectible. Has harassed my family and myself ( including members for which I did not provide their contact information XXXX in their collection methods- repeated calls, early in XXXX and XXXX. Not willing to work with me to pay loans, put me in forbearance to collect interest, but still not able to pay requested amount.
Product: Student loan

I was basically duped into thinking I 'd be able to get a job with my XXXX degree after graduation. My school refuses to hire me. I reached the student loan cap, so now I ca n't even go back to school for a useful degree. On top of that, Navient, which used to be XXXX XXXX, so I 'm pretty sure I did n't sign a contract with Navient, keeps sending me emails and ruining my credit score yet when I attempt to contact them on their website, my personal information is " wrong '' and when I called about it, the person on the phone said that was n't his job. Well I 'd like a job.
Product: Debt collection

Central Financial Control XXXX Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. They do not have a phone number listed and only have a XXXX so I am unable to send certified mail. I 'm addition according to the XXXX website this company is no longer in business after a settlement with CFPB for deceptive debt practices which I believe I am a victim.
Product: Debt collection

Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate the following three companies for illegally and knowingly violating consumer rights, to include illegal debt collection practices, knowingly reporting false information to the CRAs and several other FDCPA and FCRA violations. These are predatory companies and I am asking for your help in resolving not only my situation but ensuring an end to the abuse hundreds of others victims are enduring as well because of these unethical companies. 
RESURGENT CAPITAL SERVICES L.P, Located in XXXX SC or XXXX XXXX XXXX XXXX, Located in XXXX SC XXXX XXXX XXXX, Located in XXXX XXXX, NV IM REQUESTING THAT RESURGENT CAPITAL SERVICES / XXXX XXXX  PROVIDE ME THE FOLLOWING : THE ORIGINAL CONTRACT THE ASSIGNEE CLAUSE GRANTING THE RIGHT TO RE-ASSIGN DEBT. 
NOTARIZED PROOF OF SALE BETWEEN RESURGENT XXXX   AND THE ORIGINAL CREDITOR PROVING THEY OWN ANY ACCOUNT IN MY NAME. 


RESURGENT/XXXX NEVER MAILED ANY NOTIFICATION OR CONTACTED ME PRIOR TO REPORTING THIS ON MY CREDIT REPORTS. BY LAW A DEBT COLLECTION AGENCY MUST GIVE 30 DAYS WRITTEN NOTICE TO ALLOW ME TO DISPUTE THE DEBT AND REQUEST VALIDATION, WHICH I WAS DENIED PURPOSELY BY RESURGENT XXXX  IS BECAUSE THEY KNOW THE INFORMATION IS FALSE AND CANT BE VALIDATED OR VERIFIED. 

THE LETTER MENTIONED ABOVE WAS JUST SENT TO ME ON XX/XX/2018, GIVING ME 30 DAYS TO REQUEST VALIDATION OF THIS DEBT. See ENCLOSURE 2. THIS MAKES ZERO SENSE BECAUSE THEY SENT THIS AFTER I SENT THEM THE REQUEST FOR VALIDATION ALREADY ON XX/XX/2018. See ENCLOSURE 3. THIS ATTEMPT TO SEND ME A LETTER STATING I HAVE 30 DAYS TO SEND A REQUEST FOR VALIDATION AFTER I ALREADY SENT YOU THE REQUEST, INDICATES ANOTHER ATTEMPT TO IGNORE MY REQUEST FOR VALIDATION SENT ON XX/XX/XXXX. THIS LETTER SHOULD HAVE BEEN SENT TO ME SEVERAL MONTHS AGO PRIOR TO REPORTING THE DEBT, NOT AFTER I ALREADY SENT THEM A REQUEST TO VALIDATE. 

Please help me in resolving these issues, Thank you for your consideration. 

Very Respectfully,
Product: Credit reporting

The last name of XXXX is on my credit report. This has never been my last name. My maiden and current name is XXXX. Also there are accounts from XXXX that were paid in full and closed by me that I have requested to be removed and are still on my report with both Equifax and XXXX. XXXX being XXXX XXXX XXXX, XXXX is XXXX credit card and the other is XXXX XXXX Credit card.I would like that incorrect name removed as well as the 9-10 year old loans and credit accounts listed above.