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

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. CAPITAL ONE. I have no knowledge of opening or using this account with Capital One. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( A ) ( XXXX ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

CAPITAL ONE : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that Capital One, as the data furnisher, and XXXX provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX  under the belief that their advertised graduation rates, job placement success, and post-graduation salary expectations were accurate. XXXX falsely claimed that a high percentage of graduates secured jobs in their field with competitive salaries and that the university provided meaningful career placement assistance. These claims were a significant factor in my decision to enroll and take on substantial student loan debt. However, these promises were misleading. XXXX was later proven in court to have falsified this information, and my experience reflects this deception. The school did not provide the career assistance they advertised, and I did not receive the job opportunities or salary expectations they promised. Furthermore, the tuition was significantly higher than comparable institutions, making the financial burden even greater. I am filing this complaint with the Consumer Financial Protection Bureau to seek accountability for these deceptive practices and request any available relief for the financial harm caused by XXXX fraudulent misrepresentations.
Product: Checking or savings account

Between XXXX and XXXX I had an ATM card issued by Bank of America, to receive unemployment compensation due to COVID-19, between the years XXXX and XXXX I was coerced by members of the gang known as XXXX to make withdrawals and buy items with my debit card, and hand over the money and the goods to them, they had threatened my family and myself with XXXX  if I refused. I was afraid to go to the police while this was going on, and later I was afraid to dispute these transactions with Bank of America because they made it very clear I could never tell anyone or they would XXXX XXXX XXXX XXXX XXXX, those XXXX XXXX were arrested in XXXX, so I reached out to BofA in XXXX of XXXX to see if there was any way to get even a portion of my money back, the rep I spoke with said that I still the option to dispute the transactions, I gave her all the pertinent information, and she opened two claims : Claim Number : XXXX for the amount of {$8100.00} and Claim Number : XXXX for the amount of {$5200.00}, after a few days the bank returned about {$300.00} into my account, but not for the actual transactions, they were fees that I'd been charged they then notified me that they had resolved the claims against me, that I was in fact responsible for the transactions, I asked for the information that led them to that conclusion and to investigate, I never received any information, they investigated 3 more times, with the same results, so I gave up, it is not until now that someone mentioned the CFPB that I found out of this agency 's existence, otherwise I would have filed this complaint a long time ago.
Product: Checking or savings account

I believe XX/XX/20 is how long they've had my money. I deposited a couple of checks for friends with no IDs and it was fine until I deposited my own check then it locked up my account. They said I have to show those IDs for the people of whom I cashed their check that they are holding. I know that this is not how they do everyone as I know a few others who have done the same and their accounts are fine. I asked if there was a problem with the check 's as they are from the Department of Treasury and they said no. So why are they holding XXXX from me since XXXX if not longer?! It's Chase bank
Product: Mortgage

Dear CFPB, I submitted my complaint to your company about Nation Star/Mr Cooper and their company policy to not offer ability to request a modification on my loan unless there are 45 days or more before a sale date. The company has had a sale date every 30 days since XXXX so according to them this means I can never get a modification. Then last night after sending second complaint with all evidence on complaints number XXXX. The company Nation Star/Mr. Cooper sent me an email, it was encrypted so I filled out my password etc to verify it was them. It then showed me an email that said they had opened a modification request on XX/XX/XXXX and they were going to give me until XX/XX/XXXX to get my papers in. I was so happy ... I thought finally after 4 years they are going to follow the law. Well my sale date was today XX/XX/XXXX. I got up this morning thinking I'm going to call and talk to somebody about email at Nation Star but when I went to my emails, the email they sent me was gone. They took it back. It was just a way for them to trick me and so hopefully they could sell my home without me filing Bankruptcy to stop it. I can now find no trace of it. When I called both XXXX XXXX at Nation Star and Mr Cooper he acted stupid like he couldn't see in their system that they ever sent me anything. It is governor XXXX who advised the law in state of California was to require mortgage lenders to provide an option to request modification. I have not been allowed to. Now they played games with me to try to stop me from filing an emergency bankruptcy petition. I can not tell you how much pain I was in trying to get to courthouse this morning due to the extreme XXXX XXXX  I have. Can't anyone stop them? They have been pulling so many things more than listed here for XXXX  XXXX XXXX. I'm so disheartened that nobody will see what is going on and help. I tried to get XXXX XXXX from XXXX XXXX legal aid but he gave me this huge list of requirements to get from the investor XXXX XXXX XXXX and they would not provide them in time so at the last minute he said he could not help me. My only way is to suddenly come into money or for XXXX to do a miracle and somebody maybe see this complaint to finally help me. Isn't it illegal for them to fake send me an email saying they have opened a modification request and then rescend it? To actually take the email back from my computer after I have opened it? I cant even find the email ... .they took it back. Please, it is my heartfelt plea. Make Mr Cooper/Nation Star and XXXX XXXX XXXX do the right thing here and give me a modification. I know I qualify because I was a loan officer for years. They should have to give me the house for the 4 years of XXXX that they have dragged me through. I am not to proud to beg. I'm too tired to keep going on like this. Please step in and review all the information I have given. .This company is truly Evil. Mr Cooper/ Nation Star. Evil in every action. They dont seem to be able to behave honestly. They cant seem to be honest about anything. Not one thing. 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

What Happened : Ive experienced repeated issues with PayActivs XXXX XXXX XXXX XXXX XXXX XXXX service, which has caused financial harm due to inaccurate and duplicate payroll deductions. Despite multiple attempts to resolve the matter through their customer support channels, the issue remains unresolved. 

XXXX XXXX : XX/XX/year> : On XX/XX/year>, {$200.00} was deducted from my paycheck inaccurately. 
Despite contacting PayActiv, the refund was delayed for weeks, causing overdraft fees and penalties. 
XX/XX/year> : On XX/XX/year>, {$400.00} was deducted from my paycheck. 
On XX/XX/year>, {$270.00} was deducted, which appears to overlap with the previous deductions. 
XX/XX/year> : On XX/XX/year>, deductions were made for XXXX XXXX transactions. 
On XX/XX/year>, the same three transactions were deducted again, totaling {$270.00}. Two additional deductions were valid but increased the financial impact. 
Actions Taken by Me : I contacted PayActiv support via email, chat, and phone multiple times to address the duplicate deductions. 
I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX Complaint ID : XXXX ). 
PayActivs response included a partial refund of {$240.00}, which does not match the total amount owed, and no records were provided to explain the discrepancy. 
Actions Taken by PayActiv : Their customer service team has provided inconsistent responses, and they have not resolved the issue fully.

Refunds were delayed or incomplete, and they have failed to clarify which transactions the refunds were for.

Financial Impact : These repeated errors have caused overdraft fees, penalties from other companies, and significant stress. PayActivs lack of transparency and accountability has exacerbated the situation.
Product: Debt collection

Re : Cease and Desist Communication Request under 15 USC 1692c ( c ) Dear XXXX XXXX XXXX, I am writing to formally request that all communication from your agency regarding the debt associated with reference number XXXX cease immediately. Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), I am exercising my right to request a halt in communication until I have received validation of the debt in question.

please provide me showing that I gave written consent in blue ink in my hand to the be contacted by this company.

I recently received communication from your agency dated XX/XX/year> regarding an alleged debt. Before any further communication takes place, I assert my right to request validation of this debt as per the provisions of the Fair Debt Collection Practices Act.

I am hereby requesting that you provide the necessary documentation and evidence validating the debt. Until such time that the debt has been validated per my request, I insist that all communication efforts, including but not limited to calls and letters, cease immediately.

Please acknowledge receipt of this dispute letter and confirm that all communication attempts will cease until the debt has been validated. Your prompt cooperation in this matter is appreciated.

Thank you for your attention to this request. I expect compliance with the Fair Debt Collection Practices Act and the cessation of communication until the debt validation process is completed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union, XXXX XXXXXXXX, XXXX, XXXX Accounts, I disputed with the XXXX, XXXX XXXX and XXXX and they never fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a consumer 15 USC 6802, financial institutions may not disclose non-public personal information to any non-affiliated third party. No credit union has got my authority have asked for my Authority or have received a call from me about they can use my Consumer Report. Also 1681a ( i ) ( ii ) ( iii ) exclusions late payments and utilizations are not part of the consumer report and is not a factor in anything on my Consumer Report and should be removed and all laws that I have stated all credit companies have to abide by these laws or will be sued to the full extent of the law. An last 15 usc 1681Q Oblaining information under false pretenses, reading permission must be given and no written permission has been given These items that I document and state or over 108 violations with all credit companies I would like everything on my Consumer Report removed. 

All accounts are for remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX, signed up for a XXXX  consumer finance account via Synchrony Bank. When I signed up for the account I elected ebilling. Subsequently, I received the merchandise purchased and my first bill with the merchandise was due XX/XX/XXXX. However, I did not receive an ebill, and was unaware that payment was required until I received a late payment email on XX/XX/XXXX. 

On XX/XX/XXXX I contacted the bank and spent 40 minutes on the phone requesting the following ( 1 ) to make a payment, ( 2 ) set up auto pay, ( 3 ) turn off ebilling, ( 4 ) remove the late and ( 5 ) remove the late payment from my credit report. 

Items 1 through 4 were successfully accomplished, however the bank refused my request to remove my late payment from my credit report, stating that the ebill was delivered and they suggested that I take the matter up with XXXX! If Synchronys bills are getting caught by XXXX spam filters they should work that out with XXXX. 

I have numerous emails from Synchrony Bank, however, I have never received a bill, nor do I have bill from Synchrony Bank in my junk mail folder.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, at approximately XXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX credit & customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my Equifax, XXXX and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.
Product: Debt collection

I visited XXXX XXXX XXXX for an XXXX XXXX XXXX. When I booked my appointment, my insurance was verified and it was understood my copay is {$5.00}. Following my visit, when XXXX XXXX XXXX file insurance claim, they changed the billing code to other than XXXX XXXX XXXX. I have informed the XXXX XXXX XXXX XXXX of this billing error, and was told it was going to be corrected I suspect insurance fraud, since the billing is not what was my visit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice XXXX
Product: Checking or savings account

While trying to open an account It was communicated to me that Early Warning Systems were reporting several incorrect personal pieces of information as well as unauthorized accounts on my credit report. I have attempted to contact them several times regarding this incorrect information in the system and removing these accounts. I have attempted to verify myself several times with calling, sending in up to date Identification and utility bill, as well as attempts to verify online. EWS refuses to validate the information or correct the information as well as continue me no access to the dispute process because I have not been verified.
Product: Debt collection

Experian contacted me since I have their credit monitoring service to notify me XXXX XXXX XXXX placed a debt on my credit report ( account number XXXX ). I have seen different amounts each time the credit report is updated ( {$1100.00} ) XXXX XXXX, XXXX -Reported debt of {$1100.00} wasnt mine via website and was instructed to call. Called and reported debt not mine to Experian customer service agent. 

XXXX XXXX, XXXX Experian responded via email and eventually mailed a letter regarding dispute. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). And provided no additional information proving how the debt was verified as mine. 

XXXXsent letter that debt isnt mine and to verify again ( 15 USC 1681i ( a ). A failure to conduct a reasonable reinvestigation violates the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, 115 F .3d 220, 223-224 ( 3d Cir. 1997 ) ) XXXX XXXX, XXXX Experian Responded via email with the same message lacking any type of details Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). And provided no additional information proving how the debt was verified as mine. 

XXXX XXXX, XXXX - Requested Experian provide specific details about how the original creditor verified the account per FCRA Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive this information, including : The date and method used to contact the original creditor regarding the dispute. 
The specific details of the information provided by the creditor to verify the account. 
The name of the individual at the creditor 's company who confirmed the account details XX/XX/XXXX, XXXX Experian responded with the same message and ignored my request. Experian also failed to delete the item from my credit since per the Fair Credit Reporting Act if they can't prove it, remove it. 


XX/XX/XXXX, XXXX I sent Experian a second letter notifying them per FCRA 611 ( a ) ( 7 ) Experian that you are not in compliance with my request for your Method of Verification ( MOV ) for the above referenced account number and " creditor '' listed on my credit report per the Fair Credit Report Act. This is now my XXXX attempt at obtaining your MOV for this account. If Experian is unable or unwilling to provide the verification information, then this account MUST be removed from my credit file. 


XX/XX/XXXX, XXXX Experian responded with the same message and ignored my request per the Fair Credit Reporting Act FCRA 611 ( a ) ( 7 ). Experian also refused to delete the item from my credit report since they're unwilling or unable to provide the verification information.
Product: Payday loan, title loan, or personal loan

A few years back, my son was diagnosed with XXXX and as a direct result, I encountered an unexpected financial hardship. 

I reached out to PenFed, and PenFed offered to restructure my debt accounts. PenFed offered to reduce my monthly loan payment to {$410.00} and extend the loan maturity date to XX/XX/XXXX. 

I received the attached pre-filled form from PenFed and returned via email and XXXX. Fast forward to today, I recently learned that PenFed did not adjust the loan maturity date as agreed and I have a lump sum payment due on XX/XX/XXXX in the amount of XXXX. 

I have contacted PenFed on several occasions and provided relevant documentation to no avail.