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

In my case, I identified several violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning the handling of my credit report and personal information. Specifically : Willful Noncompliance : Under FCRA Section 616, the credit reporting agencies and debt collectors failed to verify the accuracy of information they accepted about me. This negligence constitutes willful noncompliance, punishable by civil liability.

Failure to Disclose Opt-Out Rights : In violation of FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of having my personal information shared, which is a deceptive and unlawful practice.

Furnishing of Deceptive Information : Accounts and inquiries were reported inaccurately and without proper validation, violating FCRA Section 623 ( a ) ( 3 ). This includes reporting late payments and other details without proof.

Unfair Debt Collection Practices : Debt collectors harassed me with inaccurate and unverified debts, which is a clear violation of the Debt Collection Practices Act and caused undue stress.

Improper Sharing of Information : Debt collectors shared my information with third-party agencies without authorization, violating regulations governing the acquisition of location information.

Deceptive Reporting of Late Payments : Several late payments were inaccurately reported without a clear definition of what constituted a " late '' payment, which I challenged under 15 USC 1681a ( 2 ) ( i ).

Unauthorized Hard Inquiries : Multiple inquiries appeared on my report without my written consent, violating the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ).

Failure to Validate Debts : Debt collectors did not provide validation of alleged debts as required under 15 USC 1692g, nor did they provide supporting documentation to substantiate these claims.

Through my formal dispute, I requested the correction of inaccurate personal information, removal of unauthorized inquiries, validation of debts, and updates to accounts to accurately reflect their status as " paid as agreed. '' I emphasized that if these violations are not promptly corrected, I would pursue legal remedies as provided under the FCRA and related laws.
Product: Debt collection

LVNV funding/Resurgent sent someone to my my house posing as the courts beating on my door I have them on camera and asking the neighbors if they knew me. This is harassment and scary. I filed a police report against the guy along with his tag number. You can not come to my place where I live and harass me over a bill I dont owe. I have a picture of the guy and a video recording. LVNV funding does not own this account and has know rights on harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with Transunion and XXXX all have improperly reported a late payment on an open ended credit plan without formally providing me written notice of the options I as the consumer can exercise to opt out of this information being reported. Per the following law, I was never afforded the opportunity to opt out of the reporting as I would like.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also, the reporting of the late payment is also in direct violation of 15 U.S. Code 1666b - Timing of payments which states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because i believe that is not my accounts, i have never applied for them. I'm not responsible for these debts. I was a victim of identity theft, somebody used my personal information and applied for these accounts.
Product: Credit card

Fraudulent charges were identified and submitted on American Express PAID statements from XX/XX/XXXX-XX/XX/XXXX. Fraudulent charges were removed ( {$3300.00} ) and the remainder of the PAID charges were re-billed to my account ( {$5200.00} ). There are an additional {$43000.00} of fraudulent charges to submit from XX/XX/XXXX-XX/XX/XXXX. I have disputed and have been harassed by American Express collections. I have discussed the matter with multiple representatives and the fraud department. I explain the details over and over again. I can not resolve. I have requested a single point of contact to resolve.
Product: Credit card or prepaid card

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.
Product: Student loan

I received this email from XXXX on XX/XX/2023 to my student email saying that the payment terms for my student loan had changed and that I had a payment due on XX/XX/2023 ( 3 days from now ). These terms did match what I have read in my loan agreement. I do not graduate until XX/XX/XXXX, therefore my payments should not be starting yet. I have already reported this as a phishing scam but I wanted to check the validity of this email. I have pasted the email below : Navient Loan Services XXXX XXXX XXXX Navient Logo. 
Go directly to this document in your Navient Inbox. 

XXXX, the payment term for your loans has changed. 

Next payment amount : {$330.00} Next payment due date : XX/XX/2023 Pay Now This payment schedule replaces all previous schedules for your loans and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

If you use a billing statement You'll soon receive an updated statement reflecting your new payment amount. 

We're here to help We're happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about this change or your account, visit us online or give us a call.
Product: Student loan

I called MOHELA XX/XX/XXXX after receiving a letter telling me that my repayment schedule had been recalculated. I am currently a XXXX borrower and as part of the litigation around the XXXX plan all of my loans were to be placed on a non-interest bearing forbearance. Per the letter I received and my call with the rep at MOHELA, my account was on the incorrect forbearance and was in fact accruing interest. He wasn't able to tell my why but indicated that " they are seeing this with several accounts. '' I asked when they would be fixing this because my loans on the XXXX plan should NOT be accruing interest during this forbearance time. He wasn't able to tell me when it would be adjusted so as of now, my loans are on a forb scheduled to end XX/XX/XXXX ( because I was never placed on the correct forbearance so my forb wasn't extended until XXXX like what was directed by XXXX ). not only that, but my loans have no accrued and capitalized interest for all of the time that my loans were on the forbearance up to this point. A forbearance that I didn't request to begin with. Not my loans have added interest and I am getting hit again because it won't count for XXXX. ( which I was incorrectly told it would count towards XXXX  time when I called back in XXXX when the forbearances were first applied ). I need SOMEONE to PLEASE help me get this straightened out. I asked to speak to a Supervisor at MOHELA and the rep placed me on hold multiple times and then came back with " the supervisor told me to tell you ..... '' I said no again I asked for a Supervisor not for a Supervisor to relay a message through you. Then they threw me back into the queue where " all reps were currently helping customers '' where I was ultimately disconnected.
Product: Debt collection

I 've recently got a debt removed from my XXXX credit report with XXXX XXXX due to identity theft. Now as of XXXX XXXX 2017 it has been added on under a different collections company name PINNACLE LLC/RESURGENT and the amount is {$1500.00}.
Product: Student loan

I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.
Product: Money transfer, virtual currency, or money service

Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REPORTING AGENCY DID NOT COMPLY WITH FCRA REGULATIONS AS IVE BEEN DISPUTING THIS ACCOUNTS ACCURACY THE ENTIRE TIME, PAST COUPLE MONTHS, I HAVE YET TO RECEIVE ANY PHYSICAL PROOF OF THE DISPUTED ACCOUNT IS ACTUALLY VERIFIED TO BE MINE.

CHECK MY UPLOADS AGAIN TO SEE THE DISPUTE LETTERS I'VE INITIATED ENFORCING THE CREDIT LAWS.

" 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. " You've dismissed yourself from not having had ever removed this account from my report so there's no reinsertion laws broken by you but how can you look past the fact you've never sent me clear physical proof of a verified account you allow to remain disputed on my report for a period of over 2months. You were unable to provide me a copy of verifiable proof, so you must remove the account from my credit report, thankyou!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint for Identity theft. I had some deletions and some were verified
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to XXXX, Equifax, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Mortgage

The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

We purchased our house in XX/XX/XXXX. At that time our escrow was roughly {$1600.00} a year. We were notified in XX/XX/XXXX that our taxes went up to {$4300.00}. Our mortgage XXXX never informed us that this would be the case and basically told us it was our problem. We asked the mortgage company if we could pay the shortage so we can keep our payments down as a $ XXXX increase a month was not realistic for us. The initial told us yes. We had our tax statement from the collector so we knew it was a {$2600.00} difference. We've paid the mortgage company {$1600.00} of that {$2600.00} so far between XXXX and XXXX ( {$1000.00}, {$300.00} and another {$300.00} ). We received an escrow analysis from the mortgage company after XXXX stating that we needed to pay {$2600.00} to avoid having a {$550.00} increase on our payments. We called them up and talked to about 8 different people who all pretty much said we owed the {$2600.00}. We told them that we've already paid {$1600.00} but they could not verify with us that it was received. All they said was they paid the {$4300.00} tax bill and we owed this money. I went through every statement with each person we've talked to and only 1 would verify that they did receive the {$1600.00} and we only owed the {$1100.00}. However, the next day our broker called and verified with us as well that was true but then when we tried to verify it once again to make sure with the mortgage company they said that was false and we must pay that {$2600.00}. They were extremely rude and would not listen to anything we had to say, they were purely going off the escrow analysis and that was it. I asked the last person today to confirm our mortgage statement that showed we our escrow balance to be only - {$170.00} and she said no her system showed we owed the {$2600.00}. again. she was looking at that escrow analysis because that is the only thing that is showing that amount. We feel at this point the mortgage company is scamming us someway on these funds. they are also stating that we can not prepay our escrow to avoid this higher payment. they claim that they MUST charge us for escrow every month and can not accept prepayments. My wife has XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is the first time she has ever heard this. The only thing we can think of is that they just don't want to put in the work to accommodate us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't revived any investigation results.
Product: Checking or savings account

Deposited an employer check for a new job and the e-check was altered ( fictitious ) and the bank closed my account. The first check from this employer cleared after an 11 DAY HOLD and the money was released. They have held all my money and have closed my debit card. They allowing deposits but why are they not allowing ach payment withdrawals? It has been over a month since they have closed my account and have not sent me my money. 

They want me to go into the branch but I can't make it in the time they are open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved in XX/XX/XXXX and as a precautionary measure went to check for mail at my old address ( I had filed a change of address ). To my surprise there was a final notice from XXXX for XXXX XXXX ( this is what they told me ) I told them this was not mine as the complex provides internet and thought that was the end of that. Two days ago, XX/XX/XXXX, I went to pick up mail again and found a collection notice this time from Maury Cobb Attorney at Law stating it was for a XXXX account. I called them and they said that unfortunately, there was nothing they could do for me. They instructed me to file a complaint with XXXX XXXX and a police report. I did both.
Product: Credit card or prepaid card

**I have attached this complaint in .pdf format that is easier to read. ** Below is my account history since XX/XX/XXXX ( my account had a {$0.00} balance at that time ) : {$25.00} Pmt due XX/XX/XXXX Paid {$25.00} XX/XX/XXXX {$25.00} Pmt due XX/XX/XXXX Paid {$20.00} 03/30/18 Paid {$20.00} XX/XX/XXXX Charged {$25.00} late fee even though more than the minimum payment was made ( total {$40.00} ) {$27.00} Pmt due XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Charged {$27.00} late fee even though more than the minimum payment was made ( total {$40.00} ) I called and spoke to XXXX, Account Manager, and she agreed to remove the late fee of {$27.00}, but refused to remove the prior late fee of {$25.00}. She explained that because I made my payment prior to the billing cycle the payments were not getting applied to the next payment. I have paid more than the minimum payment each month and should NOT be charged late fees. Please remove the {$25.00} fee charged on XX/XX/XXXX. 

I have a promotional balance that I am making payments on every two weeks to ensure that it is paid off by the end of the promotional period. XXXX XXXX XXXX XXXX is charging me late fees unfairly and I want this corrected.
Product: Checking or savings account

I received a Square debit card ( issued by XXXX Bank, through XXXX ) in the mail today XX/XX/2023 - it's a definite ready-to-use-upon-activation card with a chip. 
I have no financial relationship and have NEVER signed up for any sort of banking product ( checking, savings, etc ) with this company and was immediately concerned about identity theft. I have also never signed up ( to the best of my knowledge ) to receive information about their products ( which this was NOT information about a product. This was an actual chipped debit card, ready to use as soon as I scan the XXXX activation code ). 

I did find that I somehow have an online account with them using my personal email address ( which I don't ever remember signing up for, possibly the company received my email for sending receipts for paid services? ). I had to use the " forgot password '' to gain access ( because I never made an account in the first place... ) and discovered that I do not have any active banking with Square. 

I find this INCREDIBLY concerning because I believed myself to be a victim of identity theft since I have not opened any new banking accounts. As it turns out ( from a XXXX search into whether or not others have received unsolicited debit cards from this company ), this HAS happened to other people and they were similarly confused and concerned.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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

I am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.