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

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Child Support ENF AGXXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX ( XXXX XXXX  ) # XXXX, XXXX ( Original XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX ( original XXXX XXXX  ) # XXXX, XXXX XXXX ( original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( original XXXX XXXX  ) # XXXX, XXXX XXXX ( original XXXX XXXX XXXX ) # XXXX, XXXX  XXXX  ( original XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

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 an 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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX
Product: Payday loan, title loan, or personal loan

I am currently finished paying a loan-off that I have had for 48 months. At the end of my loan i noticed i still had a remaining balance of {$1500.00}. I called regarding my loan a year ago because the balance wasn't adding up to be paid off according to the payments i was making. They told me I wouldn't owe a balance and that I would have. resolution team reach out to me via email to tell me what was owed if I had anything owed. When I initially got the loan the company accidentally set my loan date on the XXXX instead of the XXXX. XXXX asked me to call in and had the date changed in order to have my payments come out on the correct date due to their error. At no point was I told that I would have a balance left or I would have to pay anything extra at the end of my loan. If I would have known that my payments should had changed in order to fit paying off the balance on time. XX/XX/XXXX should have been my last payment. I called in XXXX of XXXX to verify if something changed as far as my balance and I was told that they did not see anything at that I would receive and email. This is not fair to me. I was proactive and you are not able to speak to an supervisor they make you wait for an email. have never missed a payment and been on time. Please help me
Product: Student loan

I am a current doctoral student studying in XXXX. I submitted the corresponding form that allows me to defer student loan payments, as my scholarship qualifies as a educational fellowship sponsored by the U.S. Department of State. I was informed by email that correspondence regarding the approval of this deferment request is available in my Navient inbox. However, the correspondence has not been updated in my inbox, even after XXXX weeks after being informed by email. I then called Navient and spoke with a student loan representative, who confirmed that the deferment request was approved and it will take time for my account to be updated with the new payment terms ( which, the representative confirmed should be {$0.00} from XXXX, 2020 ). I have since waited two weeks for my account to be updated and have not seen any changes. I have been billed XXXX 's bill as well, in addition to a late fee from XXXX because I did not pay, waiting for the bill to be adjusted. I do not know why Navient chooses to skip correspondence regarding these types of requests being approved, it almost seems they have an algorithm to pretend that these things be avoided so that students who are still undergoing education are continued to be billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am writing this complaint with my own free will and I am not being coerced to write this complaint by any third party or agency. As of XX/XX/2022, I reviewed my consumer report and noticed that you are in violation of my rights, please review the attached documents to see my complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX, balance {$600.00}, date opened XX/XX/XXXX XXXX XXXX XXXX  balance {$400.00}, date opened XX/XX/XXXX first XXXX XXXX XXXX XXXX balance {$85.00}, date opened XX/XX/XXXX XXXX XXXX XXXX balance {$10.00}, date opened XX/XX/XXXX XXXX, balance {$0.00}, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to XXXX XXXX The dispute items do not belong to me. Im attaching the required XXXX XXXX for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX of 2023, and XX/XX/XXXX I was charged for a total of {$160.00} for both transactions combined. I have contacted both companies and have not heard anything about the situation. I had contacted one of the companies about 2 times but didnt get a response. I also had contacted another company but no response. I would like to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a letter sent to bank of america : Mortgage Number : XXXX XX/XX/2022 Recently we received notices from the credit bureaus that Bank of America reported a past due balance on our mortgage loan. The amount noted as past due is {$130.00}. 
Our loan has been on a repayment plan for the past 4 months starting in XX/XX/2022 through XX/XX/2022 and have honored the plan paying {$580000.00} each of those months. Not once were we notified that {$130.00} was past due!! What is the past due amount for? 
This action by your institution has caused significant damage to each of our credit ratings. We would like to come into XXXX of your branches to speak to someone in person about this situation and find a solution to correct the error. Further XXXX and XXXX XXXX have not lived here for many years and have not been nor are they currently responsible for repaying this mortgage. To date your bank has refused to remove their name from the account. To reiterate your action to prematurely and incorrectly report us to the credit bureaus without just cause and without prior notification to us that any balance was due has had an immense damage to our credit reports that we have worked so hard to build up. Your immediate action on this matter is requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.JPMCB XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have XXXX address Post Office Box XXXX XXXX  XXXX, Va XXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX. ) My employment is blank. It should be XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I called Western Union to get the correct information to wire transfer funds to XXXX XXXX XXXX. I told them they were formerly known as XXXX XXXX so they suggested the transfer to XXXX XXXX. XXXX purchased XXXX XXXX XXXX so they said the information had not changed. Therefore, I sent the funds from a Prepaid MasterCard that isn't re-loadable. When XXXX XXXX did not receive the funds, I called Western Union again on XX/XX/19. I was told at that time to wait until XXXX for them to receive funds that was received on the same day XX/XX/19.  On XX/XX/19, Western Union told me the funds went XXXX XXXX in which the previous representative neglected to tell me. The representative did not read any previous notes regarding the transfer therefore I asked for a supervisor. The representative placed me on hold then the phone started ringing again and rang over 10 -15 mins before I found a Customer Relations number for Western Union. I spoke to XXXX (Customer Relations) and once again no one took ownership of the issue not did she try to assist me. XXXX heard me say supervisor then placed me on hold for 2 -3 mins to get a supervisor. Then XXXX came to line to say you are asking for a supervisor" hold please so I held another 5 mins. Next XXXX (Possibly a supervisor) told me they requested the money from XXXX so I said "I thought it was XXXX XXXXl " then apologized "Oh yes XXXX XXXX. He says they are waiting for permission from XXXX XXXX to get money that isn't theirs. The time frame is 24- 48 hours but it is past 48 hours but XXXX says they have not received permission to take money that does not belong to XXXX XXXX. He stated the refund would go back to the bank... as I stated this card is non-reloadable so he says they would send the funds to a Western Union location. Then I needed to pick up the money from a Western Union destination so I asked about the fee of $XXXX. He stated the funds were sent so I would not get the fee back. That's unacceptable!!!
Product: Mortgage

A real estate broker contacted Coastal Capital to take out a non-owner occupied loan on my home ( that I was living in ) and stated on the loan application that I was renovating the home, I had a credit score of XXXX. I did not qualify for this home, The broker, XXXX XXXX XXXX XXXX, orchestrated this scheme to get the loan to take the proceeds ( and broker fees ) for himself to invest in a home for his own company, XXXX XXXX XXXX XXXX XXXX and purchased a home located at XXXX XXXX XXXX, XXXX, CA. 

The loan taken out against my property was one that I could not afford as I am a single mother of XXXX. The home is also a HUD house provided to me for my low income status. 

XXXX and Coastal Capital ran a broker report and saw equity in the home and conspired together to place me in a XXXX year loan with a balloon payment due XX/XX/2024. WHen I tried to refinance, Coastal Capital refused and filed a Notice of Default to sell my home. 

XXXX had access to my XXXX account and deleted all criminal information going back to him. I filed complaints with the FBI and the XXXX  XXXX XXXX XXXX and there are active investigations. 

I want to save my home. My original lender has offered a repayment plan.
Product: Debt collection

Portfolio Recovery is a SCAM! I submitted a complaint outlining false reporting around the date a XXXX XXXX credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold Portfolio recovery responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts have been disputed with credit company and yet they have failed to remove these accounts from my credit file These companies have failed to be able to show proof of ownership These accounts are not mine
Product: Prepaid card

The card gets declined from everywhere. I can't use it in store or online. When I called customer service, they said to wait for 24 hours and try again. After waiting, it still didn't work. Then I was told there is nothing I can do. Several other customers have the same problems if you search it up online
Product: Credit reporting

I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging my credit score.
Product: Credit card

During several months of XXXX to XXXX, my card was used on a site called XXXX. I did not ever have an account on there and proved throughly that I did not. They are refusing to resolve my fraud claim at discover. XXXX wouldn't respond to their inquiry neither. I have called them several times throughout their " investigation '' and was always given robotic generic answers for updates about my claim. They never really seemed to put much effort into this as I did a personal scan using XXXX  to show XXXX did not intact ever come up under my name.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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: Debt collection

I was reviewing my credit report and noticed that I had some collections that were mine.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Checking or savings account

I opened 4 debit card claims on XX/XX/2023, under the claim XXXX XXXX XXXX. 
After was opened they changed several times the claims numbers. 

I provided the invoice and letter explaining the situation and the claim was denied without any answer or providing the tracking number or delivery confirmation. 
The bank didnt follow the XXXX card procedures of chargeback, and also didnt follow the transfer Act and regulation C. 

The bank is required to reach the merchant, it takes usually up to 90 days. In this case they took XXXX weeks to take a desition without reaching the merchant or taking care of the documentation provided where is shown that the merchant MUST send the items to my address on file. And the merchant never respond or sent anything to me. 
If the bank denied the claim means they have the tracking number for the purchase or delivery confirmation signed by someone and wnat to have it to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3900.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4.  XXXXXXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Product: Mortgage

Wells Fargo Home Mortgage has illegally retained the surplus in my escrow account the past three years. They use bogus escrow review analyses to estimate that my account will have a shortage, while in each of the last three years ( every year since the inception of my loan ), the actual data reveals a surplus. Per RESPA, Wells Fargo is required to pay out this surplus within 30 days, however since their erroneous analysis estimates a shortage, they don't pay. For three years, my surplus has sat in Wells Fargo 's coffers, in direct violation of RESPA. 

I have contacted Wells Fargo about this problem each of the past three years, but nothing has been done. 

I have attached a four page summary of my findings, complete with dates, amounts, etc. 

If you need any additional information, please don't hesitate to contact me personally, I am happy to scan in any documents that you request.