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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX gave me a XXXX XXXX of XXXX. The score they showed for Experian was higher than the score Experian was showing me. Experian also did not update my scores of the other two agencies for 3 months. Experian ignored updating my score and showing me my true score at Experian and at the other two agencies from Experian 's dashboard. They were hiding my true score from me and the other two agencies. Experian did not want me to see that I had good credit.
Product: Student loan

They said " unfortunately, as this is not a federal loan, it is not eligible for the loan forgiveness. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sold my XXXX XXXX lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to XXXX XXXX which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my FICO score by roughly under 200 points. 
I called XXXX XXXX to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what XXXX XXXX wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that XXXX XXXX asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that XXXX XXXX asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by FICO score. XXXX made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know XXXX XXXX has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to XXXX XXXX XXXX department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from XXXX XXXX even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my FICO score. 
This delinquency was only reported to FICO and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with TransUnion. 
I have also attached below the letter I have sent to TransUnion for the dispute with all the related information.
Product: Credit reporting or other personal consumer reports

Transunion why are you still reporting student loan on my credit report?
Product: Credit reporting or other personal consumer reports

A closed account with XXXX that has been transferred is being held as open and delinquent. I have payments set up with XXXX for my XXXX loans.
Product: Debt collection

EQUIFAX credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Mortgage

I contacted your organization a few months ago to complain about my mortgage company, XXXX XXXX XXXX. I pointed out that they had taken over my loan from XXXX and had failed to give me any consideration for homeowner assistance programs. After filing this complaint, Rushmore did respond and requested that I provide them with the updated financial information. I sent in all of the documentation that showed I now had a change in my finances and was making more money. Rushmore told me I needed all of the paperwork in no later than XX/XX/XXXX in order for them to conduct the review. I got the paperwork in to them the last week of XX/XX/XXXX, but then they changed their tune and called me and told me they were unable to review, that the ACTUAL cut-off date was XX/XX/XXXX. This is just another example of Rushmore Loan Management engaging in unethical foreclosure practices. Since they took over my loan from XXXX they have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. I have lived here since XX/XX/XXXX and XXXX XXXX XXXX XXXX  for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as XXXX  XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. To make matters worse, Rushmore PRETENDED they were going to work with me and help me, and then when I submitted the information they said sorry, you are missing one signature on the XXXX so we are kicking you out of review -- and also, you sent this in to us too late!! Even though they had given me a different date when I first contacted them. Rushmore has now set a sale date for XX/XX/XXXX. This is wrong, they need to be stopped!
Product: Checking or savings account

on XX/XX/2019 at XXXX XXXX my account balance {$5.00} which is the end of the business day for XXXX by XX/XX/2019 at XXXX ( when it was bought to my attention ) my balance XXXX they have already charged me the overdraft fee without waiting for the end of the of the business day I talked to a rep on chase by phone her name was XXXX she said the transactions were posted at XXXX XXXX on XX/XX/2019 which is the new business for XX/XX/2019 and the closing time for that business day is XXXX of XX/XX/2019 so why didn't I get to the end business day to pay the original overdraft in the amount for XXXX I feel they dothis to get over on people I don't mind paying what I owe the bank I understand if the overdraft is over {$5.00} you have until the END of the business day XXXX XX/XX/2019 before XXXX XXXX ) to pay it back but they charged me the fee at XXXX they don't even have branches open at that time
Product: Student loan

XX/XX/XXXX, payment was disbursed to NAVIENT on XX/XX/XXXX, by our credit union. They submitted a paper check as an electronic payment. Despite having sent a copy of the statement, showing payment, they insist we now send them a triple payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would send the XX/XX/XXXX payment, but with the XX/XX/XXXX payment still unreesolved ( I think deliberately to set up penalties and fees ), I am reluctant to do so and am unsure of what to do. 

Furthermore, although we had some foresearances ( with XXXX, before we were commandeered by NAVIENT ) we owe almost as much as we started owing IN XX/XX/XXXX!!! 

Getting informationnfrom them is like pulling teeth. Now I would n't trust their word. 

HELP!
Product: Bank account or service

Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered.
Product: Mortgage

I am writing because as a client of Bank of America, N.A. they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to Bank of America, N.A. in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because Bank of America, N.A. was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Date XXXX Re : XXXX # ( XXXX ) Re : XXXX XXXX XXXX XXXX # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 







XXXX XXXX
Product: Mortgage

My home mortgage is with Lakeview Loan Servicing at XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. Loan # XXXX In XX/XX/XXXX I purchased a new homeowner 's policy with XXXX. I notified the mortgage holder and they paid with money in my escrow account. 
XX/XX/XXXX they were supposed to renew policy with funds in the escrow account. I discovered in XX/XX/XXXX that the policy had lapsed so I had to rewrite policy with my agent. The premium was paid with funds in escrow. 
The mortgage holder informed that I needed to show proof that I had insurance for the lapsed period or they would force place a policy for the " past '' year. 
My complaint is that I was not informed that my coverage had lapsed when it actually did when the company failed to renew policy that was in place. No coverage was issued at that time in XX/XX/XXXX, I was not informed that I had no coverage. And I can not understand how any Insurance agency can issue a policy for the " past ''. 
The company has already paid for this policy with funds in my escrow account leaving me with a negative balance and increased my monthly payment. I am retired and living on social security benefits. This increase will place a hardship on me for some time. 
I ask that you please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Product: Prepaid card

I have an AMEX gift card that was given to me as a XXXX gift. The card is {$1000.00}. Time and time again the card is denied on both online retailers and in-person. I called the customer service number I found online and spoke with an agent. He told me that he couldn't help me because of the specific type of AMEX gift card it was (? ) and told me to call the number on the back of the card. However, that number is just an automated line with the card balance. I feel this card is a scam. It claims to be usable everywhere AMEX cards are taken but that is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint through the CFPB, In accordance with the fair credit reporting act accounts XXXX XXXX & XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Equifax stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX was property investigated but how is that possible if the Account type is inaccurate, the account status is inaccurate, open date is inaccurate, the high credit limit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate the payment history is also inaccurate. This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX 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
Product: Student loan

I have stated multiple times with Navient that I am enrolled in school and continue to get 5-6 calls and e-mails per day from them. The harassment is out of control. When I have contacted them via email, I am harassed further to communicate only by phone.
Product: Debt collection

I have requested a Cease and Desist from this company this company is still communicating with me through third party mediums. Communication defined is : a system ( as of telephones or computers ) for transmitting or exchanging information. 
This company must cease exchanging any of my information to the credit agencies as I am requesting a cease and desist of all communication. As defined!
Product: Debt collection

XXXX XXXX XXXX sold my debt to National Credit Adjusters. I settled the debt with National Credit Adjusters but neither company will update the credit reports. The settlement was finalized in XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX improperly recorded my payment of {$130.00} as a transaction instead of a payment on XX/XX/XXXX. I spoke to the company several times regarding this and the customer service manager agrees with my claim. However, they say a different department handles the credit reporting and they couldn't help rectify the false reporting. I provided them an ACH report from my bank showing the cleared payment. Because of their improper data recording this has negatively impacted my credit report and financial well being. I do not feel comfortable as a consumer with this company having the ability to report their inaccurate data on any public platform that has the ability to cause financial harm to me and my family. 

In accordance with the Fair Credit Reporting act XXXX Account 's XXXXXXXX XXXX XXXXXXXX, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if my bank AND their own website shows a payment was made. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Mortgage

I received a packet while in loss mitigation for a partial claim. I called the mortgage lender because I've sent multiple emails and letters with the quit claim deed and divorce decree, they still sent the packet with the co-borrower 's name on it when he hasn't resided at the home in over a year. I was told by a BSI representative on XX/XX/year>, to not sign the documents and send the partial claim packet back to the loss mitigation department for correction and include the quit claim deed and divorce decree again, because the co-borrower is no longer residing there. I was seeking a 25 % payment reduction not another XXXX partial claim. I would like someone to contact me directly. I call daily, send emails and leave voicemails, to no avail. I am trying to keep my home with my children, I am willing to agree to any assistance that they offer, can you please assist?