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

My disputes are with XXXX predatory collection companies. 

XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, SC XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) XXXX XXXX XXXX is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) Jefferson Capital Systems is reporting XXXX account for {$1500.00} Lastly, XXXX XXXX is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX  when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX. I do not owe USCB XXXX for medical bills. Somehow they are reporting it on my XXXX credit report. I believe they have the wrong person. I have attempted to have this investigated but all they want to do is collect. The bills are not mine. The accounts numbers listed are : XXXX, XXXX, XXXX. USCB does not have any listings where you can call them. They make it impossible to contact them to do anything but pay them. They only have a pay website. They do not provide their contact info on the credit reports. 
This is what their website says : " USCB XXXX is a leader in providing innovative business process outsourcing and accounts receivable management solutions to some of the largest private and public institutions and healthcare providers in the Nation. Utilizing " best practices '' and leveraging decades of experience in the XXXX and XXXX XXXX industry, USCB XXXX delivers to its clients customized, turn-key XXXX XXXX XXXX that improve cash flow, streamline workflow processes, reduce administrative redundancy and optimize XXXX XXXX XXXX ''
Product: Mortgage

XX/XX/XXXX we took out a HELOC through Wells Fargo Bank. Since XX/XX/XXXX we have tried to go through the BBB, The State of Arizona Attorney General and CFPB ( Case # XXXX ) to obtain assistance in what we believe was predatory lending and an inflated appraisal, which Wells Fargo refuses to produce a copy of. 
Letter sent to Wells Fargo on XX/XX/XXXX : As you could not produce the requested appraisal documentation, we have taken the time to research values XX/XX/XXXX. Here is what we have found : XX/XX/XXXX- Time of Purchase : $ XXXX/sq.ft.-Value {$130000.00} ( based on XXXX sq.ft. ) XX/XX/XXXX-Time of HELOC : $ XXXX/sq.ft.-Value {$410000.00} +33 % ( height of the boom ) XX/XX/XXXX-XX/XX/XXXX : $ XXXX/sq.ft.-Value {$370000.00} XX/XX/XXXX-Wells Fargo Valuation : $ XXXX/sq/ft-Value {$600000.00} In response to the only information you can provide : The original estimated value you provided was {$550000.00} o We are not realtors, mortgage brokers or appraisers, at the time, if we were to sell, that number would have been our desired price. 
Our valuation was an interior Broker 's Price Opinion review o The appraisal was a drive-by Broker 's Price Opinion ( BPO ), not an interior BPO. 
The first lien account principal balance at the time was {$310000.00}. 
o That loan was a refinance from XX/XX/XXXX at 70 % LTV which would have made the value of the home {$440000.00}. An increase of 31 % in eight years is understandable based on the market of the time. At {$600000.00} that is an increase of 77 % of purchase price in less than 10 years. 
Since the height and fall of the Real Estate Bubble, laws have been changed regarding appraisals : 1. Recognizing how the pressure cooker property valuation process contributed to busting the housing boom and is perhaps prolonging the bust, the Feds set up the code to relieve pressure on appraisers in order to make appraisals more reliable 2. Once the appraisal is completed, the lender will have to send the borrower a copy of the report. This should take place at least three days before closing. Prior to the change, it was up to the borrower to request within thirty days of closing. 
3. Law change XX/XX/XXXX re appraisals due to the housing boom " What happens is, a consumer goes to the bank, the bank collects {$400.00} for the appraisal, but pays the ( appraisal management company selected ) appraiser {$150.00} to do the appraisal and keeps the difference. Good senior appraisers ca n't afford to work for half price, but the consumer thinks they are getting a good appraisal. They have no idea the appraiser is getting half ( the payment ) and is a less-experienced XXXX. Yes there 's a transparency issue, but it 's also a quality issue, '' XXXX said. Read more : XXXX Once again, it is with certainty that we feel the value of our home was inflated by the appraiser and/or Wells Fargo XXXX It is also our opinion that as a Stated Income Stated Assets ( SISA ) Loan, the investigation by Wells Fargo fell far below the standard of care and the comprehensive due diligence required. 

At this time we request to be released of this debt and that the charge off be removed from our Credit Reports.
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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT ACCEPTANCE located at XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have a Mastercard Ultamate Rewards card through Comenity Bank. I made a cashier 's check payment to payoff my balance through my credit union and they cashed it on XX/XX/2021 but did not apply the payment to my account. I opened a dispute with them and provided them with evidence of the cashed payment and they have not applied the payment. This is unacceptable. The cashier 's check number is XXXX in the amount {$2700.00}. I need this amount to be applied immediately to my balance. I also need any finance charges or fees assessed to my account to be reversed. Enclosed is evidence from my credit union that showed the payment has been reconciled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, Transunion and XXXX. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however Transunion and XXXX  states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from XXXX, Transunion and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Student loan

My complaint is against Navient- student loan services, I have contacted them a few times in the past back in XXXX regarding my student loan account. I have requested for Navient to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Navient can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide the borrower with not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As Navient continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. As I had notice this and I can be paying my interest on my loans every month, I requested that they send me a statement showing the interest that is being added monthly, giving me a consolidate/ combine interest is not going to suffice, but they refused and expect me as customer to calculated previous statement to get my interest ... NO!! I will not! So therefore, Navient needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that. And stop providing a lump sum total of all my interest without showing me the interest for that months period. As a lender Navient is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because Navient reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because its not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated.
Product: Credit card

On XX/XX/year>, I received an email stating my contact number had changed on my Avant account. Within a couple of hours of receiving that email I replied back that I did not change any info. and called them soon after to confirm verbally I didn't request a change. I was told that a fraud report was started and would take XXXX business days. FYI my statement balance was {$0.00}. 
Then on XXXX XXXX, 2024 I signed into my account and saw my address had been changed to a XXXX, NY address. I sent a screenshot of that address to Avant and said why have you changed my address as I did not ask for that to happen and quickly called them as well, stating as such. I was assured they were working on the fraud report and nothing else could occur on the account. 
That same day, this is the email I was sent, " We apologize that you havent received your XXXX yet. The card was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. If this address is incorrect, please respond with your new address. After we receive your corrected address, we will update your address on file and reissue you a new card. However, if we sent the card to the correct address, we recommend waiting for XXXX business days since the card was issued before another reissue request. If you still haven't received your card after XXXX business days, please let us know and we will attempt to reissue a card for you. '' I sent them an email giving them the correct email address and spoke with them again as they assured me no changes to the account would occur while conducting the fraud report. My balance was still {$0.00}. 
I then called back again on and around the XXXX of XXXX asking for a status on the fraud report and was told it would take another XXXX business days. I then asked what my balance was as obviously I'm not trusting them in anything they've said. My balance was {$0.00}. 
When I did not receive a call back on the XXXX of XXXX like I should have I called yesterday, XX/XX/XXXX about getting a status update on the fraud report. I was then told there was no status and now my account balance was {$3400.00}. I'm obviously livid and told them multiple times that they are 100 % in the wrong here. 
I have every email communication with them saved and even sent to them yesterday so they can match with recorded calls. I am consulting with a consumer law attorney and if I do not have this issue resolved with written confirmation in XXXX hours, I'll be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Experian XXXX is reporting inaccurate information on my credit report. The following inquiry listed in my reported does not belong to me : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company is negativity affecting my credit report by stating that I owe this debt and have failed to verify that the debt is owed. This negativity on my report is hindering me from purchasing a home and other things for my family. 

In addition, they sold my account after a charged-off and I settled. But, the account was a charged off showing up on my credit report. 

Since they charged off, why was it showing up on my credit report, since a charge-off is income.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry date XX/XX/year> XXXXXXXX XXXX XXXXXXXX - Inquiry date XX/XX/year>XXXX XXXX XXXX - Inquiry : XXXX. XXXX XXXX XXXXXXXX - XXXX : XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 con
sumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i 15 USC 1681b-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXXXXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
Product: Student loan

When student loans went into deferral, I was not aware that my Nelnet loans were not part of that. They had my contact information, but none of their deliquent notices got to me, nor did they try to contact me by phone. I have never been deliquent, but now am showing six months deliquent, and they dropped my credit score from almost 800 to XXXX. The person on the phone told me it was my responsibility to know what type of loan I have, even though I've been paying on it for the past who knows how many years. Being a public health nurse who has been working on a pandemic for the past year, that was not my priority. 
Nelnet does not operate in good faith. I can pay my bills. What about people that can't? I'm turning XXXX years old this year, and was planning retirement, and moving back to my family, and now I can't because of this. 
I tried to bring my account to date today, but I can't because I'm on vacation and don't have a checkbook, and they won't take my credit card, only my debit card. I'm not doing that, sorry. They will get paid when I get back to California.
Product: Credit card

This is a complaint against Barclay 's Bank Delaware ( XXXX XXXX XXXX and LLBean Visa Card ) for the failure to follow in good faith Fed. Res. Regulation Z 's credit card dispute prodcedures. On XXXX XXXX, 2016, I mailed by certified mail a letter claiming a billing error on my account statement for the period XXXX. The letter arrived on XXXX XXXX and was picked up on XXXX XXXX by an " Agent ''. 
In the complaint, I stated : " On my recent statement for the period of XXXX a single charge of {$99.00} is shown from " XXXX XXXX XXXX '' ( applicable page from statement attached ). This charge is unauthorized and I made no such charge. I called the number shown on the credit card statement. XXXX is the XXXX. I do have a XXXX subscription XXXX BUT I was told that my subscription is free and that they had no record of any {$99.00} charge to me. Since they had no record of the charge, they were unable to help me. 
Therefore, please remove the {$99.00} charge from my account. " My account no., name, address, etc. were all statement clearly in the letter. I believe the nature of my dispute was clearly stated and only required an investigation and response as required by Reg. Z. 
Today XXXX XXXX XXXX ) I received XXXX letters dated XXXX XXXX from XXXX XXXX about my dispute which I believe are identical. They XXXX say : 1. They need further information. 
2. ''... and we attempted to contact you on XXXX XXXX, 2016. 
3. " Since we have not received a response, we assume that you no longer wish to dispute the charge and we have closed out investigation '' 4. They tell me if I wish to continue the dispute to basically resubmit all the information I already submitted. 
I believe this is all contrary to the requirements of Regulation Z for several reasons : 1.I do not believe the need for additional information was made in good faith. I think my original statement was reasonably clear and only required contacting the merchant. I suspect that this request is made to " throw the ball back '' into the consumer 's court with the hope that the consumer will not respond so the card issuer can drop the dispute. 
2. Even if you assume that this is not the case, XXXX XXXX said they tried to contact me on " XXXX XXXX ''. This predates my letter to them which was not mailed until XXXX XXXX. 
3. Even if XXXX assume that the XXXX XXXX date was in error and XXXX XXXX meant XXXX XXXX, it sounds as if they attempted a single telephone call. I have no record of a call or any other follow-up communication for that matter. I do not think a single call attempt is all that is required XXXX. 
4. Even if they did call on XXXX XXXX and did not get me, I believe that a reasonable next step is to write me ( as I was required to do to initiate the dispute ) and tell me specifically what further information they require -- not to drop the dispute and require me to start all over again. 
Over the years, I have experienced similar conduct from other card issuers about billing disputes. I hope the CFPB can not only rectify this complaint but can put a stop to what I believe are wider bad faith practices on the part of card issuers. Thank you.
Product: Debt collection

XXXX XXXX WAS THE ORIGINAL DEBT AND WAS PAID SHORTLY AFTER WE RELOCATED IN THE AMOUNT OF {$560.00} ON OR ABOUT XX/XX/2015.