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

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
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

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> my report shows this account # XXXX owing {$940.00} that has not been verified that it is my account. According to According to the FTC, the relevant code regarding charge-offs on credit reports is Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), which specifies that creditors must provide the date of delinquency when reporting a charge-off account on a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

Over two years ago, I paid off the vehicle in full, and US Bank sent me a letter releasing the title to me. However, they later attempted to reverse this and asked me to return the title. Despite accepting my payment, they refused to return it when I requested, and they have failed to provide the necessary 1099-C form that would show the debt was written off and canceled. I have repeatedly asked for the profit and loss statement from US Bank to confirm that the debt was written off, but they have not complied. This lack of transparency, along with their failure to return my payment or provide the 1099-C, amounts to fraudulent behavior on their part.
Product: Credit reporting or other personal consumer reports

JPMCB Card is performing hard inquiries. I have no accounts or cards with them. Nor have I applied for any accounts
Product: Student loan

Navient calls my family members up to 10 times a week despite being told not to call. Yesterday they left 3 vms for my XXXX old dad and one for my friends daughter who lived with me 8 years ago for 4 months when she was XXXX. Both were told theyre trying to contact me to collect on my student loan debt - so humiliating.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  created a subsidiary Named XXXX XXXX XXXX XXXX XXXX. I miss the mail notification. My payments are taken out automatically from my bank. I have nave been late on payments. My payments continue to go to the same address. They changed there address twice cause my late payment, Then they changed the amount on my mortgage payment so that when I did get new address and resubmitted payment to new address they said the would report me again for XXXX because a {$500.00} underpayment and due to they do not except partial payments. I asked them to remove the delinquent report on my credit but they refused even though I read a a law that gives home owners 60 days before they can report when such a change had been made.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FRCA ) 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 furnishes, 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 the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

I was late verifying income, so my payment shot up by a factor of XXXX. That means FedLoan grabbed almost {$3000.00} out of my checking account, and by the time I found out what was wrong and reverified my income, another {$2900.00} payment had posted. They are now demanding that, even though it was due to a paperwork issue and even though I am making current payments. When I try to get help with the issue, they give me the runaround. This is the worst operation on the face of the earth.
Product: Debt collection

My information was sold to a debt collector! And under FDCPA laws that is not allowed and there for they are interfering with my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is not going on 90+ days since I have opened a dispute with XXXX XXXX XXXX XXXX and Experian. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Product: Debt collection

YOUR COMPLAINT I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 Eads v. Marks 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a zero balance and my invoice paid. Thank you any question call me XXXX
Product: Credit reporting or other personal consumer reports

Hello I am authorizing this complaint on my behalf. Cant believe you guys are taking advantage of me. I am very upset with Equifax have not responded back to me about my investigation. I sent a letter to them and its been more than 60 days. I need the accounts deleted or updated. These are the items I am demanding to be deleted immediately.
Product: Mortgage

I filed a complaint in XXXX of 2022, and was told through the CFPB that the mortgage servicer had made arrangements to remove my erroneous lien. The mortgage servicer stated in their response to the CFPB that they would need 30 days to remove the lien. I followed up with the CFPB stating that the lien was not removed. Now, 6 months later, it is still not removed. The original CFPB complaint number was XXXX. Please help. It bothers me to see that the complaint was marked closed when the servicer failed to do anything.
Product: Mortgage

My neighbors and I have received letters from a company called JFQ Lending, and feel they are totally mislieading consumers. To be clear, I have not done business with this company before and have a mortgage with another lender, but I do get these letters from JFQ Lending. Their letters come in unmarked envolovopes and they appear to be from my lender and/or XXXX. I will not type anything else, but below is a brief layout of letter ( leaving out specifics ). I really hope this letter is stopped so JFQ Lending does not deceive others : UNDERSTANDING XXXX  ENHANCEMENTS Dear <Customer Name> *Your Economic Benefits* Your current loan with <My Current Mortgage Lender> has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility . These changes will generate economic benefit to those like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of $ X, XXX.XX, a shortened payment term, or lower mortgage payment. 

*What you Need to Do* To get the necessary information call our office at XXXX before XX/XX/2021. Please have notice number XXXXXXX ready when calling our Enhancement Help Desk to discuss your new loan informaiton. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process please have your notice number available when calling.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to properly investigate and resolve my disputes regarding the following inaccurate charge-off account on my credit report : On XX/XX/year>, I disputed the following charge-off account on my credit report due to errors and lack of accurate reporting from Experian : XXXXXXXX XXXX  in the amount of {$2900.00}. They have failed to provide adequate documentation to verify the validity of this account upon my request and on my credit report from Experian, the date of first delinquency is inaccurately reported, making the debt appear newer than it is. This is illegal. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Experian is required to ensure accurate reporting and conduct reasonable investigations. To date, no valid documentation has been provided to verify this account. Additionally, the recent CFPB lawsuit against Experian underscores concerns about inadequate dispute investigations, which I have experienced firsthand. 

I am requesting the CFPBs intervention to demand the removal of this account from Experian because of their lack of inaccuracies to conduct reasonable business practices.
Product: Prepaid card

This all happened today, XX/XX/23. 

The card mentioned " Use anywhere in the U.S. where Visa ( R ) debit cards are accepted ''.

The card is issued by " U.S. Bank National Association ''. The only two places mentioned on the card are the phone XXXX which is an automate only system ( contacted during normal business hours ) and the website www.prepaidgiftbalance.com which does not provide any contact us information besides the phone number. 

The issue : I tried to use my card online at XXXX, payment got declined. Registered the card, tried again, failed, set up a pin and tried again failed. 

Tried to contact the company but the phone system did not provide options besides lost card/check balance/set up pin. Nothing about talking to a person. 

The website support referred me to the phone number. 

I also reported this problem to the FTC. 

I will try to use the card in a store. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Wells Fargo XXXX XXXX XXXX, shows one late payment on XX/XX/2022. This account was paid and requested to pay total balance down to zero balance, due to computer error it did not pay full balance in XX/XX/2022 and was never late in XXXX. Please remove the 30 day late payment, I have perfect payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX   8.XXXX XXXX  9.XXXX XXXX XXXX XXXX  10.XXXX XXXX XXXX 11.XXXX XXXX  12.XXXX XXXX XXXX  13.XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have this account from southwest recovery service XXXX  ..this account belong to XXXX at XXXX XXXX this account was a fraudulent account and I has supporting documents to show XXXX has remove this account from my file i have never live XXXX XXXX I ask that southwest remove this account as well thank you
Product: Vehicle loan or lease

Violated the Truth in Lending Act when the transaction included a finance charge and finance charges that included additional insurance ; willfully and knowingly failed to provide/disclose information required under provision of Title 15 USC section 1601 ; Violated 15 USC 1681 ( a ) ( 4 ) - by unauthorizing reporting consumer information to several consumer credit reporting agencies ; Never authorized any reporting of consumer information to any consumer credit reporting agency 15 USC 1681 ( a ) ( 2 ) The contract included a statement written in a conspicuous place : " UCC 3-415 '', the terms of the contract were clear according to UCC section 3-415 ( b ). The seller acceptance and deposit of this contract/security meant the alleged debt was full satisfied, yet they continue to collect on the alleged debt, that included repossession of the vehicle.

Sent several written communication that stated that they were attempting to collect a debt in violation of 15 USC 1692 Refused to release the MCO Title upon Consumer Demand
Product: Mortgage

MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent collection activity on my account referenced by Account number..I have significant concerns regarding the validity and legality of this collection effort and am requesting your immediate attention to address this matter. Under the Fair Credit Collection practice act. FDCPA. I am entitled to proper validation of the debt which includes. The original creditors name. The amount owed and details information about the transaction related to this debt.
Product: Debt collection

I sent certified mail requesting Validation of Debt and Method Verification for the following accounts over 30 days ago : PORTFOLIO RECOV ASSOC : XXXX ; XXXX ; XXXX ; XXXX Per the FCRA 611, please provide a description on the steps used to complete.
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. 
HARD INQUIRIES *XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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 card or prepaid card

I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my Consumer Credit Contract. I am the consumer, natural person who extended American Express my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature XXXX XXXX. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. I was denied XX/XX/2021 by American Express which a direct violation pursuant to 12 CFR 226.2 ( 15 ) ( ii ) defines a credit card account under open-end consumer credit plan, 12 CFR 226.2 ( 20 ) open -end credit, 16 CFR 433.1 which defines consumer credit contract, and the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines a open-end consumer credit contract, what open-end credit means, as well as defines contract which is a consumer credit contract. American Express has committed aggravated identity theft pursuant to 18 U.S.C. 1028A. I have sent several Affidavits, Notices, and Invoices to settle the matter privately yet I have received no response. Today, XX/XX/2021 I spoke with XXXX ID # : XXXX a supervisor representing American Express who informed me that he is unaware of the federal laws stated above and could not assist me unless I reapply and become a victim of their fraudulent practices once more. Ignorance of the law is no excuse!
Product: Mortgage

Our mortgage was sold to SLS in XXXX 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In XXXX 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in XXXX, XXXX, and multiple times in XXXX to resolve how payments were applied. Research done by a representative XXXX and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of XXXX monthly payments made in excess. Every representative that we spoke to, in excess of 7 times, opened a new ticket to get our XXXX surplus payments ( XXXX partial payments ) applied appropriately towards our excess payments. After every ticket is opened, SLS offers no call back for resolution and we have to call back in 3-5 business days to confirm. Every time we call back, a new ticket is opened for the file. We escalate the calls to management with no resolution, get transferred to Executive Services, all with no resolution.
Product: Money transfer, virtual currency, or money service

Friday I received money on PayPal for an XXXX. I went to go accept the transfer & Paypal put a hold on it for verification. After the account was verified PayPal informed me & said it would be removed in 72 hours. Saturday morning I woke up and checked the account notice PayPal closed the account. After getting the run around for hours PayPal finally said community guidelines was violated no further explanation. After trying for hours again to see what guidelines were violated. PayPal said its a business account & it shouldve been transferred as family & friends bc the account is for service/goods. Providing an XXXX is providing a service. PayPal said it could not be refund it until XXXX XXXX. PayPal has no upper management you can speak to. PayPal customer service agents are rude & they are liars. They give out misleading information & theres not a member of management you can speak with. My customer was out of a place to stay & ended having to spend even more money at a hotel. When they were XXXX XXXX hours away from home.