23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Have made several calls to company sent in my ID showing I never lived at the two address thats was receiving service at the same time i have also sent in prove that the address on the accounts have multiple different spellings of my name alternated
Product: Student loan

I talked to a representative today and I was told that my federal loan was not eligible for the extended payment suspension until XX/XX/XXXX. The explanation given by the representative was that my loan isnt eligible because it is serviced and funded by Navient as a result of a promissory note from Sallie Mae to Navient in XXXX. Im having a hard time understanding that because in XXXX, I believe my loans were serviced by XXXX. I have yet to see this documentation. If it has my signature on it in any way, it was obtained through fraudulent means. Im requesting that Navient forward to me the loan documents that support their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX, Have never done buisness with them, Completely Fraud. 
Inquiry From XXXX XXXX Not familiar with them. 
Inquires From XXXX XXXX XXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged ; # 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: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Collection XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX XXXXC XXXX Balance Owed : {$660.00} AXXXX XXXXXXXX XXXX Balance Owed : {$10000.00}
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year> I was solicited at my home by a XXXX / XXXX salesman, whose job was to sell solar panels. I was initially denied for financing of solar panels, and I was fine with that. The sale agent persistently tried to obtain financing for me, and not at my request. 

The XXXX / XXXX salesman specifically told me that if I was approved for solar panels, not only would my energy bills be reduced considerably, and in addition, that I would in fact receive a rebate check in the amount of {$10000.00} from the company. The salesman said that once I received those funds, I should apply them to the loan balance, thereby reducing the payments and loan balance. 

Two years later, and after the salesperson went to great lengths to sell me the panels and get me approved for financing, the following has happened : - I have received XXXX dollars in the form of a rebate from anyone - My energy bills went through the roof last year - My solar bill payment has increased and I am struggling to pay the bill I believe that I was misled by untoward sales practices and now I have lien against my homestead that I am having much difficulty paying. 

I never would have agreed to the solar panel installation if I had not been promised a {$10000.00} rebate in the form of a check which could've been applied to the loan. 

I believe that I have been lied to and I am seeking resolution either in the form of removal of the solar panels and cancellation of the debt, as the sales practices were deceptive, or a complete restructure of the loan to make it more affordable. 

The solar panels were dishonestly sold to me by XXXX / XXXX and are now being financed by a company called GOODLEAP.

I want the solar panels removed and the Goodleap debt canceled, and the lien removed from my property.
Product: Checking or savings account

I was falsely accused of harassment by XXXX XXXX a neighbor of mine. Then she bought my situation into wells fargo slandering me to everyone. She is the one harassing me by turning it around on me & wells fargo believes her. Wells fargo says they don't handle domestic disputes. Well, they listen to her lying mouth and close my new account. This was the whole point to have XXXX XXXX  send me a hostile threatening letter. I will always claim I never harassed XXXX or XXXX XXXX. She purposely brought herself to the XXXX XXXX location to falsely accuse me to the police. Well, the police didn't do anything to me either. Because they saw I was talking to a banker about my new account. They can testify that I wasn't harassing XXXX XXXX. She was in the back with the other female employees laughing at me. She tried to set me up but failed. She was coming around me all the time. The harassment charges were dropped against me when I hired a lawyer. But she had them other XXXX XXXXXXXX XXXX me so she could be in there. I had no idea that she was in the bank. Wells fargo still chooses not to believe my side of the story. They said it themselves why my new account was closed right after it was opened. 

Then to further torment me and my son. They use her for the XXXX XXXX XXXX  helping widows of the fallen military! She is such a victim of me they made her district manager director of the XXXX XXXX XXXXXXXX. Then putting her on t.v. and their website to outrage me and my son. I will always be angry for how I was treated unjustly by wells fargo. Never listening to my side of the story, and always believing XXXX XXXX word over mine. 

XXXX XXXX didn't like it cause I reported their drunken party friends parking all over my yard in front of my house and throwing the trash. XXXX and XXXX never had any respect for their neighbors yards especially me! Then one of their friends did a hostile gesture backing all the way into my yard and skidded out of it leaving deep skid marks in front of my house and grass. This is what started all the problems with XXXX and XXXX XXXX. Then she wanted me to be charged with harassment with the police knowing good and well she was harassing me. 

Then XXXX XXXX brought the situation into wells fargo & slandered me to them and caused me to lose my checking account. Because she doesn't think I should have anything. Well, she doesn't have the right to dictate to me what I can or can not have! I had someone fix the fiscal board on the front of my house. I can see the evil coming out of them! 

Then they thought they would befriend the police against me. To ruin my life to where I can't get a job or to be able to have anything. It's not up to the XXXX what I can or can't help. XXXX XXXX didn't even want me to have a checking account.
Product: Debt collection

I owed a debt to Citibank which handed the debt over to XXXX XXXX. XXXX took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from XXXX on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called Citibank to explain what happened by they just directed me to XXXX.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I went to XXXX hospital in XXXX XXXX, MI and later got s bill for {$1100.00}. I called the insurance company ( XXXX XXXX XXXX ) and they told me they were waiting on pricing information from the hospital. XXXX years later I started getting a call from debt collectors saying they were still attempting to collect the {$1100.00} from me. I called the insurance company ( XXXX XXXX XXXX ) and they told me they reached out about pricing and never heard back from the hospital. I then called the hospital and got ahold of their billing department and they told me that my insurance company finally went back and made the adjustments and paid for all of it, but for some reason they still moved the account into collections and it is affecting my credit. I don't know why I'm still being asked to pay the {$1100.00} when the hospital is saying that it's already paid for but I would like this figured out and have it removed from collections. I neither have the money nor am willing to pay for something that was already paid for by the insurance company and am trying to build my credit and this can and will heavily affect that.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been disputing a XXXX award account and I have disputed it for theLast two years the account was originally opened in XX/XX/2012 and was included in the bankruptcy and all three credit Burroughs refuses to investigate the account Ive mailed in my my chapter XXXXBankruptcy papers and its still report in in adequately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 Im USC 1681 Section 604 A sections 2 : It also States a consumer reporting agency can not furnish a account without my writing instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit plan as a late purpose
Product: Credit card or prepaid card

On XX/XX/XXXX, I was contacted by phone by Synchrony Bank regarding my XXXX XXXX XXXX XXXX. I told the rep that I get paid near the end of the month and to schedule my payment on XX/XX/XXXX. He told me he would note that in my account. 

On XX/XX/XXXX, I was contacted again by Synchrony Bank. I told the new rep that I had spoken to his colleague and there should be a note in the account that the payment would process on XX/XX/XXXX. He told me he saw the note but at the time of the previous call that was too far into the future to schedule the payment. So I proceeded to give him my payment information so that this new rep could schedule my payment for XX/XX/XXXX. 

My other cards ( XXXX, XXXX XXXX and XXXX XXXX ) all pulled on the scheduled date of XX/XX/XXXX. 

I received a call from Synchrony on XX/XX/XXXX stating that I was past due. I told her that her colleague said they would be pulling my payment on XX/XX/XXXX and asked what happened. 

She put me on hold for several minutes and said there was a system error and that something with my payment information must have changed. All other creditors had no problem processing my payments on that day. 

I ask how long after making my payment will I be able to use my card. She said 24 to 48 hours to process the payment and remove the hold. 

She takes my payment information, gives me a confirmation number, then informs me that my card has been closed. She said she would get me over to customer service to see if they could get my card opened again. Her name XXXX. 

She transferred me to XXXX in Customer Service who said there was nothing they could do to help me. 

I am incredibly frustrated that while I was in communication with the bank it was never communicated with me that the account was closed or in danger of closing. I made several good faith efforts to pay my account and I'm being penalized for their system error. 

Why was I only informed I could no longer use the account AFTER I made the payment? 
Why did no other rep inform me that my account was closed? 

It feels like they get to shrug their shoulders and leave their customers twisting in the wind when they have a system error or " glitch '' that they say there is no further information on.
Product: Credit reporting or other personal consumer reports

A charge-off was reported at the beginning of XXXX. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of debt bondage and would like for all issued accounts to be blocked and deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing again to file a formal complaint against XXXX and TransUnion for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and XXXX subsequent deletion of the collection account in question, both XXXX and TransUnion continue to report the inaccurate and unverified collection account on my credit reports. This action directly violates federal law and has caused substantial damage to my credit standing, for which I am now seeking monetary damages. 

Background : I disputed a collection account reported by XXXX XXXX on all three credit reports ( XXXX, XXXX, and TransUnion ). 
XXXX completed an investigation, determined the account to be inaccurate or unverified, and removed it from my credit report. 
XXXX and TransUnion have refused to comply and continue to report the collection account as valid, despite the lack of validation and XXXX removal. 

Violations of the FCRA : 1.Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Both XXXX and TransUnion have failed to meet this obligation by continuing to report inaccurate information that XXXX has determined to be invalid. 

2.Failure to Investigate and Correct Errors 15 U.S.C. 1681i : As part of my dispute process, I requested an investigation into the validity of the collection account. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputed information. The continued reporting of this collection account by XXXX and TransUnion, after XXXX deleted the account, indicates that these agencies have failed to conduct proper investigations and have not corrected the erroneous information on my reports. 

3.Willful Non-Compliance 15 U.S.C. 1681n : Both XXXX and TransUnion have willfully failed to comply with their duties under the FCRA by continuing to report the inaccurate collection account. Their refusal to correct these inaccuracies, despite evidence provided during the dispute process, constitutes willful non-compliance, for which I am seeking actual and statutory damages as allowed by law. 

4.Negligent Non-Compliance 15 U.S.C. 1681o : In addition to willful non-compliance, XXXX and TransUnion have acted negligently in maintaining inaccurate information on my credit reports. As such, I am entitled to recover actual damages and legal fees as provided by 15 U.S.C. 1681o.
Product: Debt collection

First Financial Asset Management call me on XX/XX/XXXX regarding a bill by XXXX XXXX XXXX 3 years ago in which was paid. I call XXXX XXXX XXXX  in which they inform me that a copy of the bill shows paid by them to XXXX XXXX XXXX. There also mailing me a copy as proof from XX/XX/XXXX showing that the transaction was paid to XXXX XXXX XXXX XXXX. This bill was paid 3 years ago on XX/XX/XXXX XXXX
Product: Mortgage

Filed prior complaint with CFPB case number XXXX regarding credit reporting during a unemployment forbearance received for months of XXXX, XXXX and XXXX of XXXX Credit reporting still has not been corrected as stated in their response to the complaint on XXXX/XXXX/XXXX. JP Morgan Chase stated my mortgage was reported current/paid as agreed during months of XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX credit bureaus have my mortgage reported as 30 days late for XXXX and 60 days for XXXX XXXX. Request credit reported be amended as stated in JP Morgan Chase 's response on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account in XX/XX/2018 and on my XXXX and Experian credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.
Product: Checking or savings account

I purchased a home in XX/XX/XXXX. The mortgage was issued by Bank of America ( BoA ). I then opened a checking account with BoA because they offered their Advance Tiered Checking account to customers who had mortgages with them free of charge. the fee for this account is normally $ XXXX/month, unless you have either $ XXXX in the account or qualify for free checking through some other offer, such as having a mortgage with BoA. Several years later, I think in XX/XX/XXXX, BoA sold my mortgage to a third-party servicer. I did not want to be serviced by a third-party, but I have no control over what BoA does with the mortgage. Apparently, BoA issued a waiver at the time so that the {$25.00} fee would not be withdrawn from my account since I no longer had the qualifying mortgage for the checking account. I was not informed of said waiver. Fast forward to XX/XX/XXXX, BoA audits my account ( without telling me ) and cancels the waiver ( again without notifying me ) and promptly begins withdrawing {$25.00} from my account each month. I noticed this in XX/XX/XXXX after BoA had already taken {$100.00} in fees from my account. I complained to their customer service department but was told that they would only return {$25.00} and that basically I was out of luck and should switch accounts. Do NOT bank with BoA. They are crooks.
Product: Mortgage

I've contacted Homebridge Financial Services regarding my inability to make my regular monthly payments due to being laid off on XX/XX/2019. I have had to contact them repeatedly to ascertain what documents are still needed for completion of my package. 
I recently gained employment and will be starting a job onXX/XX/19. That information has been provided to the lender. 
I have not been given the option of getting a loan forbearance. This would be helpful while I am waiting to obtain my next 2 paychecks. 
I have contacted Homebridge to determine why they have not offered me a forbearance. 
At this point I have been unsuccessful in obtaining a forbearance or any relief from the lender as each time I call I am advised they need yet more documents. 
I feel the lender is deliberately making the process overly difficult to prevent me from obtaining relief on this issue. 
I am a XXXX veteran and will also be making my complaint known to the Dept of Veteran 's affairs. 
I need help resolving this issue.
Product: Credit reporting or other personal consumer reports

This was my 19th complaint to REMOVE the specific accounts from my credit reports Experian and XXXX. As a victim of identity theft, I want to emphasize that I did not initiate the charges for these accounts, and I am seeking their removal to rectify my credit reports. In accordance with FCRA Section 605b, Credit Bureaus are mandated to remove any items or information listed on an identity theft report, specifically XXXX XXXX. I am urgently requesting the removal of the following fraudulent accounts from my credit file within the next 15 days, coinciding with the approaching scheduled update of my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing false information on my credit report. I have no knowledge of any debt. I contacted XXXX. Experian and I didn't receive any results of my complaint and it's been well over 30 days. I would like to get any false information removed from my credit profile.