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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Product: Student loan

Citibank is reporting late payments on my credit report on accounts that were never late. There are several of these reports and when I asked them to validate these accounts since they were never late and they refused to correct the reporting, they failed to validate the account. When I asked them to remove the inaccurate reports, they just sent a letter asking for me to send them my credit reports instead of correcting what THEY are inaccurately reporting.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Product: Debt collection

Accounts Management XXXX XXXX XXXX XXXXXXXX XXXX SD ( XXXX ) XXXX attempted to serve me paperwork for small claims today by walking around the back of my house and looking in my kitchen window. I have it on my ring camera. I have no trespassing signs posted. I have a dog who was very visibly upset by a stranger at my back window. Please communicate to this company they do not illegally trespass on someones property to serve papers when there is a front door they could knock on. Thank you.
Product: Debt collection

Resurgent Capital and XXXX XXXX XXXX have ignored my requests to cease and desist all communication. I have sent debt validation letters and until validate debt and method of validation to stop and cease all communication, they sent emails and i have informed them to stop they have ignored all request to cease and desist. they are constantly violating the fcra laws for abusive practices and blatantly harassing me. i am receiving constant letters, emails and phone calls after i have repeatedly informed them to cease. this is over a XXXX or more fine in violation. since violated and can not validate method or debt please remove from credit reporting and STOP ALL COMMUNICATION
Product: Student loan

Since XXXX 2017 I have tried talking to Navient about my account being paid each month before the due date, then receiving letters and phone calls that my loan is past due. Each month I call, they supposedly fix it and then it happens again. I have documentation of each time Ive called ( including the times ). Now, they dont even return my calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  did not have written permission by law to report any of my information. Not only that, they agreed to remove from credit bureau and never did.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX  contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dozen Complaints and yet XXXX XXXX, XXXX XXXX, and PHH mortgage has failed to provide truthful information to the credit agencies. After 5months of my mortgage loan account having a XXXX Balance, XXXX XXXX, XXXX XXXX, and PHH reported a Negative Remark which impacted my credit Report XXXX on XXXX XXXX causing me harm. XXXX XXXX, XXXX XXXX, nor PHH had the right to Report any information pertaining to me to XXXX In XXXX XXXX, XXXX XXXX and PHH previous replies I disputed XXXX in XXXX of 2021, in which they replied that same month. Can XXXX XXXX, XXXX XXXX, and PHH provide the Law which states that as a Lender they had the right to Report a Negative Remark to XXXX  during the Month of XXXX, when my intial complaint/dispute was in XXXX? This is two months later, which clearly means XXXX XXXX, XXXX XXXX, and PHH has violated my rights. How and why would XXXX XXXX, XXXX XXXX or PHH sworn that what they Report was true, when I clearly don't owe this company any MONEY. Can XXXX XXXX, XXXX XXXX, and PHH explain why there Continued, Abusive, Malicious Practices, Unethical, Unjust and Unlawful Acts CONTINUE to Retaliate against me after my Loan was Paid in Full, Closed, and With a XXXX Balance. These above parties have NO RIGHT to Report or Update any information pertaining to me if I NEVER disputed XXXX in XXXX or XXXX as they orginally stated.
Product: Mortgage

I have three mortgages on three separate properties which are serviced by Mr Cooper. Hey are all on auto payment though my XXXX Checking account. The standard monthly payment on all three were processed for my XXXX payment. 

Today, mr Cooper initiated addition payments via ACH transfer on all three accounts two more times, causing and overdraw situation of my bank account. 

Pending ORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00} PendingORIG CO NAME XXXX Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR XXXX Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00}
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 # XXXX Account name : 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: Credit reporting 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. 
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 XXXXhas 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 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 Number : XXXX - {$2900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and I've found several unverified account being furnished. This is extremely harmful to my credit standing and need to be removed.
Product: Checking or savings account

I opened my Key Bank account online. I planned to use this account as my primary bank account. 

I was informed after opening the account online that i would need to come to a local branch to complete the opening process. 

I took time to travel to the local headquarters branch and arranged an appointment with the branch manager to finish opening the account. She took copies of my ID and other documents. 

I received multiple followup emails at least twice to confirm my account is fully open and ready for use. 

I arrange my direct deposit into the account. A week later all transactions in the account would appear and then disappear with no record. I received notice from a brokerage account that my transfer to my Key Bank account had failed and i would be accessed fees. 

Same thing happened with another transfer and i was accessed fees. 

I reached out to the branch manager again and informed her the unusual problems. She reached out to her back office and then told me that my account was closed WITHOUT any notice and that's why transfers into my account failed. I asked her how could this possibly be as she confirmed multiple times the account was fully opened and ready for use. She said it was because the back office said " negative banking history. '' I was in shock. 

I do not have any negative bank history. I have never defaulted nor gone into debt etc. I have never experienced amy problem like this before. 

Now i am faced with multiple fees from failed transfers after Key Bank confirmed multiple times my account was fully open and ready for use.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according tXXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted. 
XXXX XXXX, balance {$2100.00} XXXX XXXX, balance {$39000.00} XXXX XXXX, balance {$6000.00} XXXX XXXXXXXX, balance {$8300.00} XXXX XXXX XXXX, balance {$1900.00} XXXX XXXX XXXX, balance {$3500.00} XXXX XXXX XXXX, balance {$2000.00} XXXX XXXX XXXX, balance {$1700.00} XXXX XXXX XXXX, balance {$3000.00} XXXX XXXX XXXX, balance {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   in was subjected to fraud. I contacted my creditor ' ' s (   equifax,  XXXX  and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in   XXXX   XXXX    XXXX  - {$470.00},   XXXX   XXXX  - {$1000.00}   XXXX   XXXX   {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX , equifax and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in   XXXX   due to myself being subjected to fraud.   XXXX   stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.  XXXX  and equifax stated they would submit another dispute, that 's was in   XXXX   XXXX   but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you
Product: Credit reporting or other personal consumer reports

I just got off the phone with the fraud department of XXXX.They are claiming the new FTC report I submitted, from the official FTC website, which they requested, is INVALID without any explanation. They said they " spoke with the back office '' In 5 minutes and the new FTC report is INVALID. 

They are suggesting that I am submitting a FRAUDULENT DOCUMENT when I am a victim of THEIR DATA BREACH! I recently sent an old FTC report Certified mail, and they requested a new FTC report, which I provided, and they received XXXX  XXXX, XXXX. I have provided proof from the USPS official website. 

I am a VICTIM OF THE XXXX DATA BREACH. Although I have submitted a Police report, an FTC report, and a Identity Theft affidavit which is Notarized stating that the fraud occurred on EXISTING ACCOUNTS, XXXX keeps trying to verify my accounts which ARE MINE. 

XXXX and Experian have already removed the fraudulent accounts, and they did it immediately, WITHIN 4 DAYS OF RECEIVING MY DISPUTE PER 605 B which lets me know that XXXX has not properly read my documents or investigated my dispute correctly. 

This is the reason CFPB is SUING THEM CURRENTLY. I am a victim of the XXXX Data Breach, which affected existing accounts. I have REPEATEDLY been submitting my Police Reports, FTC reports, Proof of XXXX Data Breach, and my Identity Theft Affidavits to all three Consumer Report Agencies I recently sent them again last XX/XX/XXXX, Certified Mail, and they were received XX/XX/XXXX, XXXX is now XX/XX/XXXX. 

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS. 

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION.THEY HAVE NOT EVER ASKED MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY.

The IRS states that it is ILLEGAL to report INCOME ON A CONSUMER REPORT. Chargeoffs are, by definition INCOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but XXXX and Transunion refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my XXXX shows an error code which is making me unable to provide you with accurate dates. Transunion is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION
Product: Vehicle loan or lease

Several Payments are being reported as late on my credit report. I had a payment plan set up and was making consistant payment every month on this account. This time frame for the reporting should be coveredd under the Cares Act and the payments should not be reporting late, I have tried to disput with the CRA as well as the company I recently opened another disput today to have these errors corrected.
Product: Credit card or prepaid card

On or around XX/XX/2023, XXXX XXXX XXXX informed me that I could cover the out-of-pocket expense by applying for a loan. I was told that if approved, I would be able to delay payment for up to 24 months without any consequences. I applied to see if I would be approved and to know the maximum loan amount. After I applied, XXXX XXXX XXXX informed me that I was approved for the maximum amount of {$2200.00}. I asked for details about the loan conditions and how the funds would be distributed to me. XXXX XXXX XXXX informed me that XXXX would send me paperwork that explains everything. I was waiting for paperwork to understand the conditions of the loan. 
On or around XX/XX/2023, I received a credit card from XXXX. Around the same time, I received a bill that stated {$2200.00} was given to XXXX XXXX XXXX around the same day that I applied for the loan. The bill stated that I owed {$77.00} by XX/XX/2023. I had no knowledge and I never authorized XXXX XXXX XXXX to charge XXXX. I never received any documents from XXXX or XXXX XXXX XXXX about the conditions of the loan or credit card. XXXX XXXX XXXX never informed me that if approved for the loan, the funds would be distributed to them directly without any written authorization from me. Nor did I have an opportunity to cancel the loan after the initial application. 
On or around XX/XX/2023, I received a call from Collections for Comenity Bank for the XXXX  account stating that I owed {$150.00} for past due payment and late fees. I explained that I didnt authorize XXXX XXXX XXXX XXXX charge the dental service. And, since the dental work was not performed, I requested the charged amount be removed and the account closed. Collections informed me to contact the merchant to close the account. 
When I contacted XXXX XXXX XXXX and informed them that they charged XXXX without my authorization and provided me misinformation about the loan, XXXX XXXX XXXX stated that cancellation of the credit would result in XXXX XXXX XXXX to retain 50 % of the deposit per their policy which means that they would keep {$1000.00}. When I informed XXXX XXXX XXXX that I wasnt cancelling the dental treatment but the method that I was paying the out-of-pocket expenses. XXXX XXXX XXXX insist that cancelling XXXX was also cancelling the dental services. 
After I informed XXXX XXXX XXXX that they were committing fraud because they charged XXXX without my authorization, XXXX XXXX offered to send me {$1000.00} to pay towards XXXX reducing my debt to XXXX to {$1200.00}. And, they would keep {$1000.00} as a credit for out-of-pocket expenses for future dental work. This is unacceptable. 
Additionally, Im extremely concern with the practices of XXXX XXXX XXXX and affiliated lenders because the XXXX XXXX XXXX clients are primarily people of XXXX who may not understand their consumer rights or be well versed in financial literacy.
Product: Debt collection

I reported a " debt '' as fraudulent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Whoever incurred this debt initially with PayPal didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}.

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.