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

In my Equifax credit report, only SSN, XXXX account and one of the addresses are mine, others belong to another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015
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 systems 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 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a notice from Superior Court of California regarding XXXX XXXX XXXX. 

I don't know who this company XXXX XXXX XXXX is as I never had an account with them. The notice says it's collecting for XXXX and I also never had an account with XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the with the original contract as I requested for {$5800.00} and {$900.00} as stated erroneously on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report is inaccurate, please verify accuracy of all accounts. Also according to 15 usc 1681a ( 4 ) This is a clear violation of consumer 's rights to privacy
Product: Debt collection

" XXXX XXXX " claims to be a supervisor for XXXX XXXX XXXX, he claims to work for the " Pre- litigation He threatened that if I did n't pay {$3000.00} within 10 days they were going to take me to court and file a civil lawsuit. So when I called this a scam, and asked for Proof in writing? he refused to give me my debt notification in writing, and said that I have till XXXX tomorrow to call him to agree to pay or else face a civil law suit. He said they are n't obligated to notify me if a debt that I owe, he said that 's my responsibility. He was rude and threatening and talking loud over me the whole time. He would n't let me speak with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CAVALRY PORTFOLIO SERVICES

has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. 17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Product: Mortgage

I 'm doing a refinance but a {$100000.00}  HELOC  in   XXXX   is still showing in my title report as an outstanding lien.  XXXX  was  GMAC  and later acquired by OCWEN. Just called OCWEN today at  XXXXXXXXXXXX  but the person said they do n't have a record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry has not been removed from my credit report which I did not apply for and previously filed a complaint..this is against the law ..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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent inquiries and incorrect personal information that have appeared on my credit report. These errors are directly tied to a data breach and are harming my credit. Additionally, a bankruptcy that has already been XXXX  is still showing on my report, further impacting my credit score.

These inaccuracies are preventing me from securing a mortgage loan, which is critical for providing housing for my family. I request an urgent resolution to have the fraudulent inquiries, incorrect personal information, and XXXX bankruptcy removed from my credit report within 5 business days. This matter is time-sensitive, and I need it resolved quickly to secure the loan
Product: Credit card or prepaid card

I logged into my account online. I saw that my payment due and was more than it should be. It was {$26.00} more than it should have been. I paid on XX/XX/XXXX, which I thought was for the XXXX and XXXX billing cycle. I thought that was including the {$26.00} that was due for XXXX. I received an email on XX/XX/XXXX stating I was 2 months behind on my payment. I called in to see what was going on because I knew I was going to need to make another payment the week of XX/XX/XXXX for the month of XXXX. After speaking with a manager he instructed me that I was 32 days past due and would be receiving a 30 day late on my credit report. He informed me the {$26.00} was a late fee for XXXX and that had I paid my payment in XXXX  1 day later the {$26.00} due for XXXX would have been included in my payment. I explained I had a good history with making on time payments, I have never been late on either of the two accounts that I have with them. I told him the impact that was going to have on my credit and that I needed it taken off. Because of that late payment my credit score dropped 93 points and is going to put me in a bad situation with some loans that I need to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an early lease termination that was charged off in XX/XX/XXXX but it is still showing a balance due of XXXX. Its GM financial services on a XXXX XXXX XXXX. Im a XXXX American veteran  trying to buy a home and the mortgage broker is telling us the account balance should read {$0.00} for balance due. I was told by someone on the phone from GM financial that if I did the early lease termination it wouldnt affect my credit.
Product: Credit card or prepaid card

Starting on or about XXXX the XXXX of 2022. I disputed unauthorized transactions, the represenative handling the claim at the time asked a lot of interrogating like questions. Which I answered with no problem. 14 Days later I was refunded for two of the disputes. One is the amount of {$55.00} and the other is the amount of {$50.00}. These two were temporary and were taken away from me shortly after causing the account to go negative. Ive rebutted the final determination of the dispute be since they were denied. It has now been almost 6 months and I keep getting reassured that Chime financial is going to investigate this for me. There isn't any claim that should take 6 months to investigate.I have experience in banking and from my banking knowledge Chime financial is acting poorly on this matter. Please help me escalate this issue to get resolution.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by Equifax on my credit report. These accounts are inaccurate, unverifiable, and causing unnecessary harm to my financial standing. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Negative Accounts to Be Removed 1. XXXXXXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late 2. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Credit reporting, credit repair services, or other personal consumer reports

I found these unauthorized inquires on my credit report. 
XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credco XXXXXX/XX/XXXX Credco/XXXXXXXX XXXXXXXX  XX/XX/XXXX Credco XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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, credit repair services, or other personal consumer reports

XX/XX/2020 {$500.00} attempting to remove inaccurate information
Product: Credit card or prepaid card

I recently checked my credit and noticed my 2 capital one credit cards reporting me 60 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays XXXX they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease.
Product: Checking or savings account

I was charged an overdraft fee. Apparently, my purchase of a XXXX present for my little nephew overdrew my account. I have been unemployed since XXXX and depleted my savings since the enhanced XXXX ended at the end of XXXX. But I still kept my account current by moving money from my savings into my checking account. I had an emergency vet bill and hit an issue paying for groceries so I asked my parents to send me my XXXX money early so I wouldn't have to keep going into my savings. Apparently, the purchase and the XXXX transactions didn't line up in your system and you charged me {$35.00}! I asked the customer service rep and a supervisor to reverse the charge and they refused. There was virtually no time between when money went out of my account and when money was deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. Once the FTC Report and documents to verify my identity were sent, Equifax, XXXX, and XXXX  Failed to delete the items that were disputed as debts which resulted from identity theft. Which is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Student loan

I have about {$290000.00} of student loans being serviced by Great Lakes Borrower services. Out of that {$290000.00} about {$18000.00} is accrued interest that was present before the coronavirus pandemic. The servicer is putting all accounts into an administrative forbearance in order to comply with the recently passed CARES act. 

I would like to know if the {$18000.00} of accrued interest will capitalize and be added to the principal at the end of the forbearance on XX/XX/2020. The only response that I received from them is the following : " interest MAY capitalize based on the following situations ''. It then goes on to list circumstances under which interest normally capitalizes. 

In this context, the word " may '' means absolutely nothing. I am looking for a simple YES or NO answer to a simple question. For your convenience I will ask the question again. 
Assuming I make no payments during the covid 19 forbearance, will the {$18000.00} of previously accrued interest be added to the principal balance at the end of the forbearance? 


I've been dealing with trying to get a straight answer for over a month now and am stuck with generic copy and paste replies. 

Please help.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reason and will not help me whith getting it back up and going i am not sure if this some mistake as i assume it has to be i have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing their job properity and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 AND XX/XX/2021 I SENT CERTIFIED LETTERS TO XXXX XXXX, AND TRANUNION STATING THAT I WANTED TO SEE VARIABLE PROOF OF INACCURATE INFORMATION THAT I SAW ON MY CREDIT REPORTS. IT HAS BEEN 2 MONTHS AND I HAVE NOT RECEIVED AND MAIL OR PHONE CALL FROM ANY OF THE BUREAUS. PLEASE ADVISE. BELOW WILL BE THE INACCURATE ACCOUNTS : XXXX. XXXX ACCNT # XXXX {$1900.00} XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX # : XXXX {$2400.00} XX/XX/2021 XXXX XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1100.00} XXXX XXXX ACCNT # XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1300.00}
Product: Credit reporting or other personal consumer reports

I pulled a copy of my XXXX and XXXX consumer report and noticed some items reporting on my credit file that isnt reporting on XXXX, so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ). I request that your organization immediately contacts the credit bureaus to instruct them to DELETE the account, as I have already done so. I was instructed to contact the company directly ; failure to comply will result in a violation, as one credit bureau, XXXX, has already taken action by deleting the account. Proof will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my TransUnion a credit inquiry dated XX/XX/2019 from XXXX which I didnt do. I spoke to many different Dept at XXXX XXXX   and to TransUnion and followed up via web etc no luck. Pls assist. 

No I see another one dated XX/XX/XXXX from XXXX which o didnt do either. 

Im a previous victim of identity fraud. Thanks XXXX XXXX
Product: Debt collection

NOTICE FOR REQUEST OF INFORMATION AND DELETION & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : MIDLAND CREDIT MGMT XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$820.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : MIDLAND CREDIT MANAGEMENT STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.

ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Re : Account number : XXXX To Whom It May Concern : I am responding to your help with the Indigo/Concora credit card complaint. while paying my account as Agreed, with auto pay, with credit card limit of {$300.00}. I was not notified of the excessive fee charge, which put my credit card over the limit to {$410.00}, with a minimum payment due {$120.00} by XX/XX/year>. On XX/XX/year>, I tried to make an online payment, which would not allow payments on my account, which stated Not Available. I received a notice from the credit bureaus stating my credit scores dropped by XXXX points. According to the Bill passed by Congress last year, credit card companies can not overcharge their clients with inflated fees. 
Sincerely, XXXX XXXX
Product: Debt collection

Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed.