23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called debt collector on XX/XX/XXXX starting around XXXX. Tried to understand why my health insurance wasnt billed but Medicaid ( which I dont have ) was billed, and where they even got that information. Debt collector told me that the insurance was billed and denied. I asked for the correspondence between them and my health insurance and he told me know. Just that it was denied. He would not give me any information. Told me to call my health insurance, so I did. They have no record of any claims filled from the hospital or the debt collection agency. When I called the debt collector back to tell them that, he said well you need to contact the consumer who billed the initial bill. So I contact the hospitals billing dept, they stated that they cant do anything now that it is at a debt collector and the debt collector has to file the claim through XXXX ( my insurance ). I called the debt collector back and he finally at least took the billing address as to where to submit the claim. But I want to file a complaint against the debt collector.
Product: Credit reporting or other personal consumer reports

15 U

SC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I sent a letter and disputed with XXXX, XXXX and Equifax all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.
Product: Student loan

I have a payment arrangement for a student loan account which was agreed to in XXXX of 2023. A form had to be signed and shared with Portnoy then they provided me with an online account to electronically make the payments every month ( includes a file number ). I have made the payments every single month and timely & Portnoy has acknowledged this yet they have are lying to to the credit bureaus when they report every month and indicate that my account is not current. Ive called multiple times and keep getting different stories with false promises of reporting the account as current yet they have not done so. They are not only falsely reporting to credit bureaus but also destroying my credit in the process. This needs to be rectified immediately - its unethical and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Mortgage

Shellpoint Mortgage Services was taken over by New Rez. I attempted to change my checking account number online for auto debit. Instead of just changing the account they debited my account and created an overdraft. This cost me a {$35.00} bank charge as well as New Rez charging me {$25.00} for the overdraft also. I called and complained and they confirmed with the representative XXXX that both fees will be reversed. I then received a Certified letter from New Rez dated XX/XX/XXXX that contradicts what I confirmed was happening. I want the Shell Point and New Rez to have a complaint placed against them to avoid this from happening in the future. In addition the representative refused or was unable to document our conversation via email nor was able to give full information on the company to report this to CFPB properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail to experian requesting verification as well as validation. Experian has broken the law : By the provisions of Section 611 of the Fair Credit and Reporting Act of 1970, I demand these items be deleted from all current and future credit reports. Please forward the names of any individuals and/or organizations you contacted so I may follow up with them directly.
I shall assume that 30 days constitutes a reasonable time for verification of these entries. Through our interpretation of Section 611 ( a ), it is understood that the failure to verify these items within 30 days constitutes a reason to promptly drop the information from the credit report.
Pursuant to Section 611 ( d ) of The Fair Credit and Reporting Act, please send notification that these items have been deleted. Please send an updated credit report to my address that is listed above. The provisions of section 612 state that there is no charge for this notification.
Experian is concerned whether my complaint is from a credit repair company instead of addressing my issue of all the incorrect, fraudulent information on my credit report. I will be pursuing legal action against experian as well as CFPB. The LAW360 lawsuit is an just one example that will happen to experian. This is utterly ridiculous that consumers have to endure such foolishness! 

All these accounts are a product of identity theft : 1.  XXXX XXXX XXXX XXXX Negative item 2. XXXX XXXX XXXX XXXX Negative item 3. XXXX XXXX Negative item 4. XXXX XXXX XXXX Negative item 5. XXXX XXXX XXXX Negative item 6. XXXX XXXX Negative item 7. XXXX XXXX Negative item 8. XXXX XXXX Negative item 9. XXXX XXXX XXXX Negative item 10. XXXX XXXX XXXX.
Product: Checking or savings account

I have 2 BBVA Compass accounts, 1 is a money market and the other is a checking account. I use my checking account at Compass as the main account that pays my mortgage so I do not use it as frequently as my other bank accounts. On Friday XX/XX/19, I submitted by mortgage payment through my mortgagor 's website. On Sunday, XX/XX/19, I went into XXXX 's  XXXX to purchase cookies for my children. I only had my Compass debit card which I used for the transaction. After purchasing the cookies we went back to the car and while eating our cookies I transferred money from my money market to my checking to make sure that there would be enough to cover my mortgage payment. On Friday, XX/XX/XXXX, I checked my Compass account and noticed that they returned my mortgage payment. I was furious and called BBVA Compass in XXXX, TX and spoke with branch manager XXXX. He looked at the account and told me they were " real time '' and there was not enough funds when the payment was presented to the bank. I explained that I immediately made the transfer and the funds should have been immediately available. He could not explain why the payment was returned. He offered to refund the fee, which he did, but this was not enough because I want to know what happened. They did the same thing to me in XXXX, returned by mortgage payment even though the funds were there. He offered to contact their " Customer Resolution Department '' and stated that it would take 2 business days. I called XXXX on Tuesday, XX/XX/XXXX, as he did not call me back. He explained that the account to account transfer was not completed till Monday XX/XX/XXXX and this is why my mortgage payment was returned. I advised him that the payment was not returned till Tuesday XX/XX/XXXX and he told me on XX/XX/XXXX that they are real time, so an account to account transfer should be immediate. He stated that when the payment was presented the funds were not there. I said to him, " So you are telling me that on Sunday XX/XX/XXXX in the 5 minutes that I went into XXXX 's XXXX  and came out to my car that magically my mortgage payment was presented to the back. That does not sound right! And even if it presented to the bank on XX/XX/XXXX, the funds were there because you just told me the transfer completed on XX/XX/XXXX. '' I asked for his manager, he advised me that his name was XXXX XXXX, District Retail Executive. I called Mr. XXXX 's executive assistant on XX/XX/XXXX and left a message for Mr. XXXX to return my call. I have not heard from Mr. XXXX or XXXX.
Product: Credit reporting

there are XXXX public records ( bankruptcies ) reporting on my credit report, I have sent numerous letters as well as called numerous times to dispute these records ... US court sent a letter saying they do not furnish information to credit bureaus ... .and Equifax HAS NOT AND REFUSES to tell me the furnisher of this information and will not provide proof of the validity of these XXXX RECORDS ... .THIS IS CLEARLY A VIOLATION OF MY fair credit reporting rights ... ....
Product: Credit reporting or other personal consumer reports

Dear Mr./ Mrs . 

I am writing you this letter regarding payments that were marked late by your company for the following on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) A ) 0 ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor CITICARDS CBNA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX, dispute manager at Capital One, was assigned to remove a disputed transaction. She refused to make the funds available the same day on the day my statement cycle was ending. This is unorthodox Capital One procedure. All documentation for the dispute was made available. Please encourage XXXX to find new employment for her insubordination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian dispute wound up in XXXX XXXX- I have multiple reports open YOU failed to address nor did they! Information still wrong- address- our contact phone number- bankruptcy over 7 years they advised it would be removed. Account balances still incorrect. A number of accounts XXXX or reduced they reflect wrong! All of this has impacted us financially- myself and wife who are listed for all of the same! Credit score advised last month XXXX congrats- when applying for credit XXXX! Very upset our so called " SECURE '' information open to foreigners and may be subject to hacking and YOU do nothing- yes nothing- So where is the " protection? " I want a written reply why! Need change of address and phone number to account. This action has been done multiple times and is still incorrect.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a property. The closing attorney paid off the balance with Wells Fargo on XX/XX/XXXX. As of XX/XX/XXXX, Wells Fargo still lists the balance as unpaid and filed a XXXX  day late report with XXXX and XXXX. I disputed this fact. But Wells Fargo reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from Wells Fargo stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Product: Credit reporting or other personal consumer reports

I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information.

I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file.

Furthermore, I am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt.
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. 

XXXX XXXX XXXX - XXXX State Of Michigan 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 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. 

These inaccuraties are proventing me from obtaining the purchase of a Home and Credit Cards.
Product: Mortgage

Contacted Truist bank in XXXX to inquire about a HELOC. The representative confirmed our home loan status that is and always has been in good standing. The XXXX ( XXXX XXXX ) also indicated that we had more than enough equity in addition to the fact that we ( my husband and I ) have very good credit ( we each are over XXXX credit scores ). We have provided Truist with all the required income and tax documentation into the lender protal. 

Last week, the repXXXX, XXXX contacted me to advise that the underwriter wanted us to close a high balance credit card once paid off with the HELOC to adjust for our debt to income ratio but we would still be approved. We challenged that as closing a long standing high limit credit line would damage our credit. The rep. acknowledged that it did not make sense, offered to call her manager and upon dig so, we are now denied the entire HELOC. 

We were told that we could only have the funds to pay off the high limit card, one time and still close both the card and the HELOC when we had been previously noted for an OPEN line of {$150000.00}. 

I pointed out that this was discriminatory and the rep. said it " was underwriting and you both are independent contractors ''. Further stating that we could just sell our property.
Product: Checking or savings account

On the night of XX/XX/year> I noticed the unauthorized transaction with my TD BANK debit card for {$1500.00}. The transaction details showed XXXX XXXX. When I called the bank, I locked m bank card, asked them details on the transaction and they mentioned it was at the XXXX XXXX XXXXXXXX XXXX. I have no travel history there and I called the merchant ( hotel ), and they mentioned they don't have any transaction with this amount with the card details. When the amount got posted in the online statement, I started the dispute case with the bank and also made a police report as there are a lot of scam cases particularly with this bank after reading a lot of customer reviews online. 

I have started the dispute with the bank XXXX XX/XX/year> and I am hoping it will be resolved as I had a previous dispute case with the bank for a stolen card and they didn't support my case, and I didn't get back my money.
Product: Student loan

I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.
Product: Money transfer, virtual currency, or money service

The removal of my money and for the company to return it.
Product: Student loan

This is a parent plus loan that I was unaware of from my daughters college XXXX XXXX XXXX XXXX. I was never notified of an approval and do not recall signing documentation. Also, this loan has been transferred to a new loan called Aidvantage that I have not signed in documents with this company as well. I filed for a student relief and was approved, however, it was never honored and taken off my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, u
nless 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports