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

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, fraudulent, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.
Product: Mortgage

I am in XXXX XXXX, Ca and began submitted my loan application on XXXX/XXXX/2020. It is now XX/XX/XXXX about 2.5months later and I am still not closed. They have sent me closing disclosures 5 times and each time there have been errors and it takes weeks each time for them to correct them. Also, keep in mind, your rate is NOT LOCKED and you pay a {$500.00} UP FRONT, NON-REFUNDABLE fee. So you are stuck with them after you submit your application. They did a bait and switch on me after quoting a great rate and terms, the closing docs showed {$1700.00} more in fees. The staff are very courteous and agreed to fix it, but just came back several times with more incorrect docs, stalling the process for weeks each time. The staff seem nice and hardworking, but they are totally disorganized and fail to execute. 

BOTTOM LINE : They are practicing bait and switch, and they will string you along until you give up and accept vastly higher fees or rates.
Product: Consumer Loan

I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy.
Product: Student loan

In the past couple of weeks I have been receiving none stop calls from NAVIENT collectors. They have been calling me maybe 3 -  4 times a day. The number is XXXX and other numbers. The messages that they leave in the voicemail are vague and seemingly automated. 


I would also like to point out that when pressured ... I asked Navient who owns my loans, how can I contact them and make a settlement on my debt ... they simply gave me a false phone number that left me with no solution in terms of reaching out to who owns my loan in order to attempt negotiating a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported :XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Since XXXX of 2018, XXXX XXXX has been charging both our credit cards from XXXX and Capital One. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, XXXX and Capital One did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.
Product: Checking or savings account

On or around XXXX XX/XX/ 2022, some imposter hacked my checking account last four # XXXX, wrote XXXX bad checks from XXXX, digitally signed them, and deposited them into my account. Citibank finally sent copies of the checks today and are trying to charge me a {$12.00} fee for each of these fraudulent checks that were returned coming to a total of {$36.00}. I reported fraud on my account so they could place a fraud alert. 
They didn't send me a copy of my account charges because I can't access the account. This way I can see all transactions in my account. This is one reason why they are holding my money, so they can steal it with these fraud charges. 
This bank is corrupt and does not respond to customers on the phone. When they might, it's a bunch of lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. XXXX  XXXX states they are reporting correctly but your agency is reporting it wrong. XXXX XXXX initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY! 

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount XXXX XXXX Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/year>, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracy. The XXXXcredit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX XXXX : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have recently found out through my credit report that ACS/Conduent education, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, ACS is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited ACS 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that ACS often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as ACS seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that ACS handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. ACS 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
Product: Mortgage

On XX/XX/2023, my home loan transferred from HomePoint Financial to Mr Cooper. 
During the service transfer, there was an error in the payment data. An old and invalid payment method was set as the favorite/primary. 

On XX/XX/2023 I attempted to make a payment using the online portal, the check was returned and a fee of {$20.00} was assessed due to " returned check ''. After further research within the portal and payment details, i discovered that the invalid payment method was set as the primary. This should not have happened since I have been making successful payments using the accurate details prior to the servicing transfer. 

On XX/XX/2023, i called the customer service line to request the fee be waived. The associate advised that the fee can not be waived unless it is due to fraud or a fault of the servicer. I attempted to explain the situation with the servicing transfer and the incorrect payment details being applied as part of that transfer, however the associate continued to advise that the fee will not be waived as it is not their fault. 

When asked to speak with a member of management, the associate advised there is no management available. I inquired as to if there was anyone else available to assist the individual with escalation, and the associate advised there is not, they work from home and can submit a request for management to call back within 24-48hr.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account name : # XXXXXXXX XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX CONTACT NAME XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX has violated my rights. 
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: Prepaid card

On XX/XX/XXXX I bought a camera on XXXX XXXX from XXXX XXXX. I requested she cancel the order and on the XXXX she said she would and minutes later she blocked me and the order was marked shipped in XXXX  system. This needs to be fixed because when the seller prints a label it should go to the " preshipment status '' until XXXX actually gets the item dropped off to them from the seller. As per XXXX, they have not received this item I purchased when checking the tracking information online as well as over the phone. This has been a huge huge issue because every step of this process has been automated and I have no way to contact the seller who has my money and the camera. XXXX XXXX has denied my dispute twice because no one is tracking the camera to see it is still in the pending status since the XXXX of XXXX. This is unsatisfactory and it seems like a scam where they are playing hot potato with the issue bouncing me from " contact the seller '' which I can not do, then to XXXX help center and meta who both are automated and telling me to file a claim, however I already submitted a claim and havent gotten anywhere with it. I am unable to see any link that works to file another claim because of the initial one not having been resolved or the website is totally useless. It seems crazy to me that they are allowed to do this. All that needs to happen is track the camera. My order numnber is XXXX for {$95.00} on XX/XX/year> XXXX XXXX The tracking information is XXXX. ( XXXX ) XXXX phone number where this can easily be verified. I have paid {$95.00} for an item that never got shipped out and I cant contact anyone and get help with this. XXXX shouldnt be marking items shipped when the post office has not received it. It is not fair that I cant get my money returned since the camera isnt coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )
Product: Credit reporting or other personal consumer reports

My credit score is being affected by a charge made by XXXX XXXX XXXX  XXXX after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department XXXX XXXX XXXX XXXX, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.
Product: Consumer Loan

To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.
Product: Money transfer, virtual currency, or money service

I was having trouble signing into XXXX XXXX and had to call the number on the screen. The first middle eastern sounding man ended up transferring me to a second middle eastern sounding man that said Id been getting XXXX XXXX but hadnt been paying it ( I have XXXX membership and I told him I dont know how thats possible. He said he could fix it so I didnt ended up a big bill do dont want that do you he yelled. He had me download an ap that let him see my keystrokes and had me set up a contact with my name but a different email address that he gave me and proceeded to have me transfer money via XXXX to that person. He said there were several steps because I kept questioning when do we get to part of giving that money back to me. He would yell and ask if I was stupid, that he was trying to help me. I was on speaker and after the second transfer my husband said to just hang up. I immediately went to the bank crying for them to stop the transfers but he said theyd already been transferred and there was nothing he could do. Directed me to call BofA Fraud division.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC IS IN VIOLATION, UNDER NMLS CONSUMER ACCES THEY HAVE STATE LICENSES/ REGISTRATION TO BE OPERATING IN THE STATE OF XXXX. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT IN REGARDS TO HIPPA FILES I GAVE NO CONSENT TO USE FOR PUBLIC INFORMATION.