23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The account was charged off but yet Prestige Financial Services has filed a lawsuit against me when they have violated the fair credit report act. They filed a claim with the insurance company to collect on the vehicle and yet are fraudulently trying to still collect on a charge off account.
Product: Credit reporting

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
Product: Student loan

XXXX XXXX Closed doors while I was attending. They knew I was 100 % XXXX and promised me my diplomas, and credits. All they did was leave me with nothing, garnishment, bad credit, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX says being 100 % XXXX that I qualified for loans to be forgiven, or canceled long ago. I turned in all paperwork 3 times to Dept of Education and original lenders. Now they are about to begin garnishing my XXXX check again. US Department of Education needs to help me, please. I lose everything, not just my income, but my home. 
President Biden sent confirmation email I was approved for forgiveness, and now threats again from collections about garnishing my wages. Please please help me. It's as if I never put one college hour in, I attended 4 years, I never got a diploma, credits transferred, or even proof I ever attended college. 
Due to XXXX XXXX XXXX XXXX XXXX, and going through XXXX XXXX this past 2 years, along with having XXXX 3 times, I can't remember one thing I even learned attending XXXX. I was on presidents and XXXX list with XXXX XXXX at XXXX XXXX XXXX. I need answers, I can not live or eat on my income as it is. My credits been ruined behind this. The school closed while attending up through XXXX beginning XXXX XXXX, I'm 100 % XXXX, and will be homeless if this happens. Please get me through to someone that can help me get the loans wiped out. XXXX XXXX XXXX XXXX XXXX to XXXX, owe nearly XXXX, XXXX in loans for a degree I never received, and school closed, not to mention they lied to me from start up till closed down, just trying to take advantage me, knowing XXXX. That's a crime in itself. I need a lawyer, I need pro Bono or class action. Please reach me at number on file here for me. Thank you!
Product: Debt collection

I am the victim of ID theft and have submitted the affidavits to those companies believe I owe a debt that was not brought on by my own doing. This company in the past three weeks has called me nearly 46 times during work hours even though I clearly explain to them that the debt is not mine. By doing this they are in violation of many different acts and they seem to think they are above the law
Product: Debt collection

Dear CFPB, I am reopening my complaint against Resurgent Capital Services L.P./LVNV Funding LLC . Despite my previous requests, they have failed to validate this debt I do not recognize. Their responses have been generic and repeated simply to close the case, lacking the required documentation such as original creditor information and proof of ownership. That prevents proper research by Resurgent Capital Services. I attached the recent documents Ive sent, including my initial requests and their repeated inadequate response. I urge you to ensure Resurgent Capital Services provides detailed validation or removes the unverified debt from my credit report. Generic replies will not address my concerns. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I have asked Transunion to please updated my address with only the address listed on my drivers license. And yet there are still addresses I dont recognize o n my report. Please help me in getting the only address listed on my valid license listed on my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and insufficient fund disruptions I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I put forth the following complaint to Equifax agency yet have had no solution brought since. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my wet ink signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX BANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX CO XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( XXXX ) 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 promptly delete.
Product: Mortgage

I closed on a refi mortgage two months ago with XXXX XXXX XXXX who is using Dovenmuehle mortgage as their servicer. The insurance details were provided to them as part of the specifics of the closing ( insurers is XXXX XXXX ). I received a notice last week from XXXX XXXX that my homeowner 's insurance had not been paid and was going to be cancelled on XX/XX/XXXX ( today ) if payment is not received. I escalated this to XXXX XXXX XXXX/Dovenmuehle and did not hear anything from them. I ended up working with the realty company to help escalate the issue and did receive confirmation that the insurance had been paid via email on XX/XX/XXXX and a text message on XX/XX/XXXX that the payment had been made, but as of today XXXX XXXX had still not received/processed the payment. I ended up having to pay for the premium out my own personal funds until this payment clears. I have still not received any kind of email/call from an actual person. I couldn't connect via telephone because of the long wait times ( I spent over an hour on hold before I gave up ).
Product: Debt collection

Dear Source receivables management, I, XXXX XXXX have written this dispute letter to dispute a claim that is falsely listed on my credit report. The amounts owed are no longer outstanding. You have not proven to me that this debt is mine nor have you shown me the original contract. If you can not provide the original contract stating that this is my debt then it is legally required to be removed off of my credit report. 
This is my official and last request to have the aforementioned item deleted off my credit report before taking legal action. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX VIN # XXXX - Carvana Stock # XXXX delivered XX/XX/2021 within 12 hours or XXXX EST a 12inch engine oil puddle has appeared under the vehicle and continues dripping oil. I crawl under for a closer look and discover damage to radiator, front end body panels, paint oversprays and masking tape residue in several sections. Local foreign auto shop replaces engine oil, filter and drain plug w/ gasket as both are necessary. Within the hour the oil leak has returned. Coupled with the obvious front end damage and botched paint job the auto shop specialist opined a potentially serious and costly problem with this vehicle. 

By this time on XX/XX/2021 Carvana has already reached into my XXXX account via the XXXX financial app and removed the {$24000.00}. This action was not authorized by me and contradicts several employee 's testimony and quoted text available at the Carvana website about dispersal of funds. ( see text below ) " What does Carvana use XXXX for? Carvana uses XXXX as a method of funds verification, income verification, employment verification, and address verification. The XXXX connection is encrypted and secure. Connecting a financial institution via XXXX does NOT give Carvana ( or anyone else ) access to your accounts. You are always in control and can manage Carvana 's XXXX connection on our website or the XXXX XXXX '' I attempted to move on with an alternate vehicle and realized Carvana doesn't deserve my trust or business and attempted to sever ties and collect the amount Caravana removed from my account. Today XX/XX/2021 is day 8 of multiple failed attempts to schedule a pickup date/time for the XXXX XXXX and any acknowledgement of refunding the {$24000.00} owed back to me. Now needed for payment of the alternate vehicle I'm moving forward with and Carvana has tied up funding. I'm embarrassed for allowing such a pitiful business model to lure me into this no-win scenario process. Carvana has taken over 14 days of personal and professional time away from me, my family and clients.
Product: Credit reporting or other personal consumer reports

Dear Credit reporting agency 's, XX/XX/XXXX In accordance with the provisions outlined in 1692g of the Fair Credit Reporting Act, and Title 5 U.S. Code 552a, I am formally requesting the Method of Verification for the following disputed account ( s ) associated with XXXX XXXX : XXXX XXXX  - Account number : XXXX This request is made under the guidelines specified in the Fair Credit Reporting Act 611 ( a ) ( 7 ). It is important to note that this is not a reinvestigation of a prior dispute, but rather a request for a Method of Verification to ascertain the accuracy and validity of the mentioned account ( s ). 

Kindly provide the following details and documentation : Original creditor : XXXX XXXX XXXX  Address and telephone number of the creditor. 
Name of the individual responsible for verifying the dispute. 
Documentation utilized to verify the dispute. 
Signed contract or documents bearing my signature. 

Please be aware that under Title 5 U.S. Code 552a, known as the Privacy Act of 1974, regulations governing the maintenance of records on individuals apply, irrespective of whether this is a government agency. This ensures that any actions taken regarding my disputed account ( s ) align with the stipulations set forth in this law.

Should you encounter any difficulties in furnishing the aforementioned information promptly, I request that the disputed account be promptly removed from my credit report to mitigate any further adverse effects. 

Best Regards, XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

On XX/XX/2020 I went to the store and purchased some materials. I had a {$500.00} gift card to the store and was saving that for a different project and decided to use my store credit card. I had made a payment on XX/XX/2020. My credit limit was still the {$5000.00} it was originally. I have never had any late payments on any accounts. I am ahead on all accounts. I also paid off many of my other cards in full in the past week. When I tried to use the store card, my card was declined. I Checked my account later that night to find my credit limit had decreased to {$3900.00}. I messaged the company as I had not received any notice to a decrease in credit limit. I messaged the company and shortly received a letter dated XX/XX/2020 stating that my credit limit is now decreased to {$3900.00}. I didnt receive notice prior to the decrease and the amount was decreased before I was notified. The letter only showed after I inquired with the company. Very frustrating considering my good credit history and profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # ending in XXXX from XXXX and account ending in XXXX from XXXX and TransUnion has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX account # ending in 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 601 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Mortgage

I submitted for a loan on XX/XX/XXXX and it is still not closed. I was told by their loan officer XXXX XXXX that they could use my previous appraisal. Then at the very end, I was told they could not use, misled. Another appraisal was done and rec 'd on XX/XX/XXXX. I was told that was the only thing needed.. still not closed During this process the loan processor XXXX XXXX did 0 on my file. I had to escalate to the loan processor manager who then reassigned my case to another processor. XXXX XXXX has been excellent during the process. The issue is now loan depot is stating there are two student loans on my account, two of which has been consolidated are not showing 0 on my credit report. It has been one thing after the other and now going on 3 months and still not resolved. The lender fees keep increasing everytime, they get a loan extension because they are not doing their job .... I feel the practices are deceptive and misleading. Now interest rates are higher so I am stuck with trying to refinance with them... I need resolution,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD
Product: Mortgage

I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.
Product: Checking or savings account

As explained in prior CFPB complaint, a close out check in amount of {$4200.00} was intercepted by another party while I was on vacation in XXXX of XXXX. A prior check was mailed, a stop payment placed on it prematurely by Capital One rep { XXXX }, second check reissued while I was on vacation, sent via XXXX. Capital One rep by the name of XXXX requested I call, in which case, from past experience, Capital One reps leave a number to reach out but do not accept or return calls ... A message was left today, XX/XX/XXXX, no callback received.. Please note, a prior Capital One rep, XXXX XXXX, left a number to reach out, a total of seven messages left, none returned ... .She claimed she can not return calls while CFPB complaint is in process, which appears to be a lie, calls were never returned, even after CFPB complaint { XXXX } closed out ... .This may appear irrelevant ; however, it goes towards credibility., Further note, XXXX failed to send an affidavit, it was sent several years later, closed out, nothing further done in re.. Affidavit was closed out in error, Capital One reps refuse to reissue, despite their error in stop payment prematurely and failing to send affidavit when matter brought to their attention in XXXX of XXXX.
Product: Mortgage

I had a mortgage with Wells Fargo Home Mortgage ( XXXX ) since XX/XX/XXXX. Without my knowledge or permission XXXX stopped withdrawing my monthly mortgage payments from the XXXX XXXX XXXX XXXX even though there was money in the account. It then transferred my mortgage to XXXX XXXX XXXX XXXX, which is basically a collection agency. 

XXXX XXXX XXXX XXXX insists it sent notifications to me but I never received anything about this change via the XXXX. I do not have a computer and do not have access to one. My sister found out about the transfer when she called the XXXX XXXX XXXX XXXX in XX/XX/XXXX. By that time, my property was about to be foreclosed. My sister paid the past-due amount of {$3300.00} to stop the process and set up a monthly payment plan to stop the foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

Im filing this report against both XXXX and TransUnion for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below
Product: Credit reporting or other personal consumer reports

XXXX did a XXXXcredit report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXX XXXX account ending in XXXX with a balance of {$52.00}. And they account was paid in full as of XX/XX/year>