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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Claim Number XXXX claim amount : {$1500.00} Dear CFPB Complaints, XXXX XXXX XXXX XXXX, am asking for help to resolve my existing claim number XXXX reconsideration of submitted additional information describing the transaction to support the claim dispute with written documentation for more evidence. 
I wish to make a complaint to receive the payment for {$1500.00} resolve of the claim number XXXX dispute of charge of {$1500.00} to my XXXX Bank of America Prepaid card account ending XXXX on the date XX/XX/year> at XXXX PM by the XXXX XXXX  Bank of America that posted in error because it is an unauthorized double debit. I did not make or give permission to use my account. My Bofa prepaid card was not lost and the transaction was not fraudulent. The invalid double debit is exactly the same as the valid debit of {$1500.00} teller withdrawal earlier at bank XX/XX/year> at XXXX PM posted on my account history XX/XX/year>
Product: Payday loan, title loan, or personal loan

I was approved for an installment loan in the amount of {$3000.00} back inXX/XX/XXXX ; after losing my Job in XX/XX/XXXX and unable to continue my monthly amounts, I stopped making payments. 
In XX/XX/XXXX, after doing temporary work for the next 2 years at a lower salary, I renegotiated a lower amount of {$120.00}, but was unable to continue due to unemployment thru XX/XX/XXXX. 
In XX/XX/XXXX, after finding a full time permanent position, I contacted AVANT, AGAIN and renegotiated another payment arrangement of {$140.00} for 8 months as a settlement amount of {$1000.00} to finally settle and pay this loan. I was making my monthly payments as scheduled until back in XX/XX/XXXX, I received a notice from AVANT stating the agreement was null and void, I has missed making one payment iby the due in XX/XX/XXXX ; I had emailed Avant to let them know this payment would be late. I made the XX/XX/XXXX payment up in late XXXX by making two payments in XXXX XXXX. The loan was due to be settled as of XXXX XXXX, my credit report updated and loan settled as paid. I was like WOW, I was so close to having this thing done and paid, when they pulled this and my credit file was to be update SETTLED and PAID!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$4200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I have several student loans ( private and federal ) being serviced through Navient ( formerly XXXX ). For some time now, there has been a pretty large discrepancy between the total current balance displayed on my account on Navient 's website and the total balance I get when I add up every transaction on my account for every loan throughout the life of each loan, I get a number that is approximately {$20000.00} less than what they are showing my total balance to be. I 've contacted Navient several times ( they 're claiming they have record of 3 times, it feels like it 's been more ) for some explanation as to why this discrepancy exists. Each time I call, I get a different reason and then I 'm told that a request is being entered for research to be performed on my account. Once the research is completed, I 'm told I 'll receive a written explanation in the mail. So far, I 've only ever received account summaries for a few of the loans I have through Navient. I 've never received any type of explanation or anything meaningful that I ca n't get myself from their website. I 've had 2 customer service reps tell me that the sum of all transactions on my account should be equal to my total account balance and that they do n't know why they 're not adding up correctly. Another rep told me that it could have something to do with them transitioning to a new system or their new website ( when they changed from XXXX to Navient ). In any case, I 've yet to receive any valid explanation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to the inadequate customer service and unfair practice which violates a consumer Financial Protection Act ( CFPA ). Specifically XXXX XXXXt failed to take timely an effective measure to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. 

Furthermore their are dispute resolution process was unfair and deceptive, in which they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and Financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian & explained that I have been a victim of Identity theft, I have sent you a police report, ID, social security card & identity theft report. You keep reporting the following accounts that I have requested that you delete & block in the past. These accounts for XXXX XXXX  {$300.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX, Along with several accounts from DEPT OF EDXXXX. These are not my accounts and I am asking that this information deleted & blocked from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus. 
Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/XXXX  balance. 
Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

DISCOVER CARD is charging me the outrageous late fee of {$41.00} plus interest on the balance! 

NOTIFICATION : I shall file for bankruptcy if I am required or forced or harassed or intimated to pay {$41.00} in a late fee! 

My beloved wife XXXX and I are very devout XXXX XXXX of advanced age with very seniors medical conditions, problems, and challenged and live solely and exclusively on Social Security on which we CAN NOT MAKE ENDS MEET and on top of this there is SOARING INFLATION! 

Yet these cruel and brutal " human beings '' at Discover Card are demanding a pound of flesh from us and our blood! And they take no prisoners! 

Nor does dysfunctional Congress nor the CFPB nor the Board of Governors of the Federal Reserve nor the Comptroller of the Currency nor The White House do a thing about these outrageously high late fees and Discover Card is by no means alone in this! 

TO REPEAT : I SHALL FILE FOR BANKRUPTCY AS I CAN NOT PAY THESE LATE FEES AT {$41.00} A CLIP FROM EVIL DISCOVER CARD, EVIL FOR SUCH CHARGES!
Product: Mortgage

New escrow analysis reflected inaccurate payment dates for taxes and insurance to create a larger shortage that I believe will actually exist. The new escrow amount will add another approximately {$150.00} to my monthly mortgage. If the actual dates when I pay my taxes and insurance are the same this upcoming year as they were last year, then believe it should only go up by approximately {$50.00} per month. For instance, I paid my city and county tax in 2018 in the month of XXXX. The new escrow analysis has me paying them in XXXX, artificially inflating the shortage I believe.
Product: Mortgage

A business associate and myself years ago purchased a condominium together ... .he fraudulently transferred it out of my name, then he was XXXX  of XXXX  from me, and went toXX/XX/XXXX For 3-5 years, I've been trying to sell the condominium in a short sale ... ... Citizens mortgage company always " goes along with the sale, '' then at the last minute declines it. Citizens mortgage has prevented a short sale of the property on multiple occasions. I'm at wits end on it. I can't sell it, they won't foreclose on it ... ..how can Citizens Mortgage company accept XXXX money XXXX and then not extend to struggling citizens a short sale? Who can address this?
Product: Credit reporting or other personal consumer reports

An ordinance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 an account without my written instructions.

15 USC Code SS 1681a - Definitions ; rules of construction- Exclusions except as provided and paragraph the term " Consumer Report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making a report.

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 a purpose.
Product: Credit card or prepaid card

Navy Federal Credit Union closed my cash rewards account approximately two years ago although I was making payments on time each month. They always deducted loan payments directly from my account, so it could have never been late at the time of closing. They said they closed it based on information regarding other accounts from a new credit report they obtained. They closed my account which impacted my credit score because although I make payments I can not use the card. They are also still charging me interest on the card although they chose to close the card ( not due to my credit card payment history ). 

I believe they either needed to not close my card or stop charging me interest on an account they chose to close.
Product: Mortgage

I am having issues with my property taxes and a couple of typographical errors in the closing documents. I am hoping you could help. I have been going back and forth with the loan servicer and they have changed multiple times. But in essence they are charging me for property taxes that are not part of XXXX XXXX XXXX XXXX. The only lots they are suppose to charge is parcel XXXX and XXXX but they are charging me for a few more lots including and they sent money to them last year and this year. They said they can not help me with last year 's payments because they just switched to the new servicer, but they can only help me with this years. The problem is that this has now increased my payments by {$2700.00} per month over the last two years. I don't know why they are paying additional taxes and not just this property 's tax. 

XXXX shows that the seller paid the taxes as follows : XXXX  XXXX for XXXX XXXX  {$4000.00} XXXX XXXX for XX/XX/XXXX XX/XX/XXXX {$750.00} So they should have been paid through XX/XX/XXXXXXXX  for both of these lots. 

The title work the closing attorney provided to the lender shows that the properties were insuring had the following tax identification numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX However, my mortgage company is charging me for property taxes of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have no idea why they did this. 

I have attached title commitment and recorded deed of trust showing that they were only supposed to charge and pay for the properties at XXXX XXXX XXXX. 

They did not get a lien on the other two lots.
Product: Debt collection

On XX/XX/2020 XXXX I received the following message from XXXX XXXX of TrueAccord, after I unsubscribed from their email : XXXX, do you need more information? We're following up after your recent visit to our website regarding a {$460.00} balance with XXXX. If you were looking into unsubscribing, we'd like to provide you with more information. Please view your account summary. Unsubscribing will not invalidate your debt. If you're ready to resolve this balance, please take a moment to view all your available options. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I responded via email XX/XX/2020 XXXX, Any information regarding this matter needs to be mailed to the addresses you have on file. No longer contact me via any email address. This matter will not be addressed again and a complaint will be filed with the CFPB. I then followed up with a certified letter XX/XX/2020, Tracking Number : XXXX, received XX/XX/2020 at XXXX XXXX. In this official document I request debt validation, and explicitly stated all communication needs to officially be done in writing. They are only authorized to communicate with me via mail, and attempting to collect a debt via email, circumvents the official process.
Product: Checking or savings account

Capital One advertised their high yield savings account ( 360 savings ) and I opened an account in XXXX, my monthly statements as of XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One never communicated about the decreasing APY nor that they had a similarly named much higher yield savings account where my XXXX XXXX XXXXXXXX could have been generating 10x as much interest over the past 4-5 years. I became aware of the issue via the recent lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

after receiving services from this company before, somehow my identity was stolen for the opening of another account in which my identity was stole, I have submitted proof by sending my police report, and identity theft affidavit from the FTC also complaints to the XXXX. this company has responded by maintaining that because the same information that was used to obtain services in the past and also garnishing my wages for this account that they can somehow ignore what I have been directed to send them in order to restore my good name, I will attach a copy of documents sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

Hey I am writing to dispute the following information on my report. 
This item Account XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to XXXX and Experian I also asked XXXX and experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither XXXX or experian nor the original creditor was able to do so the last several months XXXX and Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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********