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

Date : XX/XX/2020 Applied today to Refinance with XXXX XXXX, to replenish my emergency funds for COVID19 and to make small repairs to my home. 

During my Application over the phone with my Mortgage Company, Credco was used to obtain my credit score and information. My Loan Officer informed me that my Credit Scores were significantly lower than what was reported to me by XXXX, XXXX  and XXXX. Credco 's report was full of inaccuracies which Credco claims to obtain from the 3 credit reporting agencies directly and then blend them into one report. 

The Credit Score and Information will GREATLY effect what Interest rate I receive and cost me more money thus financially injuring me as well as causing suffering due to having to take the time to get them to correct their errors. 

I looked " Credco '' up on FTC.gov and found that " Credco '' has been Sanctioned and Penalized for these very things before. 
https : //search.usa.gov/search? query=Credco & submit.x=0 & submit.y=0 & affiliate=ftc_prod I am sure I am not the only recent " Credco '' victim
Product: Credit card or prepaid card

On XX/XX/2023, I responded to a letter from Capital One, stating to them that I feel that I have been discriminated against. The reason for this is because of the response I received. Capital One stated that they observed activity on a prior account which I did not have and told me it goes against their expectation. It's been over 15 years since I have done any business with Capital One Bank and feel that this goes against FCRA rules that state : The length of time that negative information can remain on your credit report is governed by the federal Fair Credit Reporting Act ( FCRA ). Most of it must be taken off after seven years. Some items, such as bankruptcy, can remain for up to 10 years, and other items, such as civil judgments or tax liens no longer are reported at all. Following are eight types of negative information that may appear on your report, with suggestions on how to lessen their damage. This is in response to application ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For MONTHS now I have tried to chat in and call in with XXXX and Equifax. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the Equifax breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both XXXX and Equifax keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! XXXX and Equifax could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$990.00} AFFIRM XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

I had my loans serviced through XXXX who then sold them to a different loan servicer. The history of my loan with fed loan has been lost. I was never contacted about this change or who my new servicer is. I contacting multiple services. I finally figured out where my loans are being serviced currently, XXXX. I have not received any response from the new servicer after I submitted my request for repayment on XX/XX/XXXX.
Product: Bank account or service

On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and I am listed in the alumni directory as simply XXXX. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 

Yesterday, this request for Special Deposit checking and saving was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, knownn as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
Product: Debt collection

they said they would remove but didnt here is a cut and paste responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau indicating that XXXX XXXX disputes creating the XXXX XXXX XXXX debt we acquired in her name. In an effort to resolve this matter, we have terminated collection efforts on the XXXX debt and requested the credit bureaus to delete our tradeline. Thank you for the opportunity to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. BANKCORP. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Product: Checking or savings account

Wells Fargo checking account closed in 2016 due to overdraft fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, EXPERIAN INFORMATION SOLUTIONS received a final notice of dispute in which I demanded for an account with XXXX XXXX to be removed because it has been disputed over a series of months. After the most recent dispute letter, the inaccurate account with XXXX XXXX was still verified and updated. It is still inaccurate. I was very clear on what was wrong with the account. Per FCRA 15 USC 1681i ( 5 ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If, 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. This account is way past a point where it has been disputed many times and still updated to remain inaccurate. Consume reporting agencies 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report - 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. EXPERIAN INFORMATION SOLUTIONS continuously verified the inaccurate account that I have been disputing for months. I have reason to believe that this is a violation of the FCRA pertaining to accuracy and fairness of credit reporting.
Product: Mortgage

This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Monitoring They will not allow me to cancel online and since XX/XX/XXXX  they have taken {$15.00} out of my account. I finally called someone on XX/XX/XXXX  spoke with a live person and they only wanted to refund me {$15.00} for one month. If you go on the website, they try to get you purchase other services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter asking Experian to verify my bankruptcy. They fail to properly verify my bankruptcy clearly in violation of the law. Law specifically states that the information must be verified from its original furnisher, which is the bankruptcy court. On my credit report it states that they verified it through a third party named XXXX XXXX. i have evidence that I freezed XXXX XXXX before the process started and also have a letter from the bankruptcy court house stating that they do not furnish information to third parties like credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy in My Credit Report Request for Removal under Section 623A-5 Dear Sir/Madam, I am writing to formally dispute the bankruptcy that has been incorrectly reported on my credit report. Under Section 623A-5 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information that is being reported.

Upon reviewing my credit report, I have identified that the bankruptcy listed in my credit history Experian is incorrect. I am requesting your assistance in removing this from my credit report, as I believe it was reported in error or is not verifiable. 

Details of the Dispute : Name of the court where the bankruptcy was filed : UNITES STATES BANKRUPTCY COURT XXXX XXXX XXXX  Florida XXXX XXXX XXXX Bankruptcy case number : XXXX Date of bankruptcy filing : XX/XX/year> Reason for the dispute : Lack of debt validation, error in reporting Under Section XXXX, I request that you investigate this matter and take appropriate actions to remove the incorrect information from my credit report. According to the applicable laws, the information must be accurate and verifiable, and in my case, it does not meet those criteria. 

I have attached the relevant documents to support my dispute, including : A copy of my credit report showing the bankruptcy As stipulated by the Fair Credit Reporting Act, I understand that you are required to resolve this dispute within 30 days. I would appreciate it if you could update me on the progress of my case and the resolution of this dispute. 

If this incorrect information is not removed, I will be forced to take further legal actions, which XXXX include filing a complaint with the Department of Justice or pursuing additional legal measures. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX digits of your Social Security XXXX
Product: Debt collection

I have contacted ; XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX
Product: Checking or savings account

The person ( XXXX XXXX ) was trying to get a hold of my SSN and my drivers license. 
He wrote and XXXX me a check for XXXX The check bounced in my account, and now my account is negative balance. Was having me go to the Bitcoin Atm ( Have Receipt Record I Gave me a QR code to scan at ATM through XXXX App on XXXX ). It was supposed to be for equipment. I never received the equipment. ( False Vendor ) names XXXX XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX name XXXX XXXX. CFO names XXXX XXXX XXXX, XXXX XXXX. I suspect the check as fraudulent activity. He ( XXXX ) was also trying to get a hold of my WIFI password, XXXX XXXX PIN. I belive this is a scam this was through the XXXX app and I have record of entire conversation. XXXX was also telling me that the companys Lawyer was going to the bank on my behalf to reverse the charges.He never did. ( I did not get the lawyers name ). This was for a remote job Position
Product: Checking or savings account

Multiple times Ive made mobile deposits. Just recently I made a mobile deposit on XX/XX/2023 In the amount of {$3400.00} they gave me {$400.00} of it saying the rest of the funds would be available on XX/XX/2023. On XX/XX/2023 they sent me an email saying the whole check was out on hold until XX/XX/2023. They took back the money in my account causing me to be over-drafted. Even though I have been banking with them for over a year, depositing multiple big check deposits they decided to put it on hold.
Product: Mortgage

I paid my mortgage with Franklin American in full on XXXX/XXXX/2015. I have a {$3400.00} escrow balance still with them. It has been 1.5 months and they are still holding my escrow money. When I contact them they say they will mail it but to this point I have received nothing. I am concerned they will keep my {$3400.00}. I am looking for help with getting my money returned to me.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

ALLY FINCL company is currently showing 30 days late ( XXXX and XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( ALLY FINCL XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX  # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.
Product: Student loan

On Tuesday ( XX/XX/XXXX ) I applied for forbearance on my private Navient student loans due to flooding in Missouri ( natural disaster, state of emergency ). I was granted forbearance for 90 days which they told me started that day. We have auto draft and the payment was taken out of our account two days later, not sure why their system didnt put a stop on it. I called yesterday ( XX/XX/XXXX ) and they said they would issue a refund that would take 3-5 business days. I called today ( XX/XX/XXXX ) to confirm the refund was in process- over {$400.00} is a lot of money to just be sitting in limbo. The customer service rep told me today I had to submit my banking information. I told her the lady from the previous day said nothing about this. She apologized and then needed my banking information to process the refund. I told her she already had it because they auto draft our money every month. She then proceeded to tell me it would take 7-10 business days. I dont understand how this company is still in business. They have zero integrity, and their customer service is difficult to understand and does not give accurate information. This 90 days forbearance is suppose to be helping me, but instead is causing a huge headache and saving me XXXX money. I am a stay at home Mom of XXXX kids and pay over {$400.00} a month, how is this right? They offer no help, and one rep even suggested to switch carriers because there was nothing they could do to help me. As of now, I am calling my bank and issuing a refund because I can not trust that Navient put a refund on my account. This is a nightmare, and I understand why they are being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, like 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain my Equifax credit report from the company itself so I can dispute some items. When calling them I am not able to verify my identity through the questions they ask. I faxed in documents what they needed to verify my identity. I still have not received any communication from them regarding this. I did however receive an email saying that they have completed the investigation of a dispute. In said email was a link to view the results. When attempting to view the results I get a screen that says they need me to call to verify my identity.
Product: Credit reporting or other personal consumer reports

My ex girlfriend opened several accounts without my knowledge or consent. I would like these accounts removed from my credit report as they are not mine.
Product: Student loan

I started making payments my student loans since XX/XX/XXXX. I had my account on auto-allocate. Every time I make a payment, I received a email from EdFinancial confirming my payment. I thought I was paying my loans properly until XX/XX/XXXX, when I received an email from EdFinancial saying that I've missed several payments and my account was at risk of being reported delinquent. I logged into my account at EdFinancial and found that ALL of my payments to EdFinancial had been reversed for seemingly no reason. Theres absolutely no reason my bank would decline the charge. I've been paying bills successfully from this bank account for months. My bank account information is correct and updated, so that's not the issue either. I've triple checked. The reversal is on EdFinancial 's end. They conveniently waited until my account started accruing interest to notify me that my payments weren't going through. I'd not received any correspondence about missing or reversed payments until my account had already accrued interest. After they notified me about my account being past due, I tried making a payment on XX/XX/XXXX for the full amount and that was reversed too. That's the fifth payment now to be reversed. How am I supposed to pay my loans if EdFinancial won't let me? I know I'm not the first person to be experiencing this issue with this company.