23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/2017 I was approved by Comenity Capitol Bank for an initial credit line of {$1700.00}. with PayPal Credit which included no interest or payments for six months. I have made XXXX transaction on this account, but am know being block by PayPal security. I have contacted them more than four times which they have continued to be unresponsive to my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted numerous times to call and was directed to mail and/or send my request through the website which I've tried both countless times. 

Incorrect addresses : 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 XXXXXXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

Account Name : XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act US Department of education account # XXXX, has violated my rights. 

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

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX Account XXXX : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Mortgage

I have applied mortgage loan to New American Funding to purchase a townhome. The builder name was The XXXX XXXX XXXX Georgia XXXX. New American Funding ( the lender ) was the builder 's preferred lender. 

The closing date was XX/XX/2022. 

On XX/XX/2022, I got an email XXXX XXXX XXXX, who was the loan XXXX with New American Funding. She said my loan was fully approved and she asked me to sign the XXXX for the closing process. 

I asked her what would be my mortgage interest rate to be locked as of XX/XX/2022 because I had not been informed the interest rate information from XXXX until XX/XX/2022. 
XXXX said that she already locked the interest rate and the interest rate would be expired as XX/XX/2022. 

However XXXX & I had never discussed about the interest rate. Also, I had never signed to any disclosure to approve the interest rate lock. I asked her again how she could lock the interest rate without the borrower approval. XXXX said I approved the interest rate. So, I asked her to send me the evidence of my approval or the signed disclosure copy. She did not send me the evidence and said New American Funding did not make any mistake. 

The XXXX XXXX XXXX Georgia XXXX, the builder & the seller, said that they will terminate the contract as of XX/XX/2022 because I did not purchase the subject townhome. From XX/XX/2022, I asked the seller a couple of times to extend the closing schedule because I had the above problems with the lender. The XXXX XXXX XXXX Georgia XXXX answered me NO. 

So, I lost {$32000.00} of the earnest money.

Please let me know if there is anything you could help me. 

I look forward to hearing from you ASAP. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 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: Student loan

My consolidation loan originated with XXXX for 20 years, fixed interest, and stipulated payments throughout the loan until the last payment in XX/XX/XXXX. Sallie Mae then took over the loan and now Navient has the loan. 
Recently I noticed they show an " estimated '' payoff date of XX/XX/XXXX. When I inquired they stated XXXX did not disclose the loan properly and that Navient recalculated the loan for what I owe. 
My legally binding terms and payment conditions were signed with XXXX back in XX/XX/XXXX. In Sallie Mae and Navient assuming that loan, they in turn should maintain the terms and conditions. 
After 2 calls, Navient again " recalculated '' my loan and then instilled a higher auto payment draft scheduled for XX/XX/XXXX which I do not authorize. 
A third call was made today, XXXX, indicating I do not authorize that payment nor do I still agree with their " recalculation '' of the payments due beyond XX/XX/XXXX. 
They state they will be sending me my original XXXX table of payments and then their table of my payments and how I am coming up " short ''. 
If XXXX calculated my loan amount, repayment value and monthly payment amounts incorrectly that is not my fault, nor my responsibility. I signed a binding contract with them for those indicated payments scheduled. 
If another company assumes the loans, they should assume the same terms, especially since I never signed anything with them allowing them to reassess my loan, nor change any terms or conditions of my original loan taken out through XXXX. 
I feel I am only legally obligated to make payments at the monthly rate for the remaining three ( 3 ) months of my 20 year fixed consolidation loan. The outstanding value of that loan is not sizable. It is the principle here of a loan company taking advantage of people, not hearing and understanding my complaint, nor acknowledging the risks they assume when acquiring terms and conditions from loans they now take over.
Product: Credit reporting or other personal consumer reports

I have tried to contact this creditor and the credit bureaus on several occasions. I was told that once I paid this account for the settled amount that this would be removed from my credit report by the creditor. I have proof that I have paid this balance. Also, this account is reporting open when it is currently closed. They have this account as duplicate on my credit report which is hindering my scores. Also, the date of last activity is reporting incorrectly. According to 15 U.S.C. Section 1681, these companies have violated my rights by reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All XXXX Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against Experian for Continued Unlawful Practices Dear CFPB and FTC, I am writing to formally express my dissatisfaction and frustration with Experian 's ongoing misconduct regarding credit report management and dispute investigations. Despite the recent lawsuit filed by the CFPB against Experian for sham investigations of credit report errors, I find myself experiencing the very issues that have been highlighted. 

Experian continues to conduct sham investigations that fail to address my disputes adequately. Their faulty intake procedures prevent them from conveying all relevant information to the original furnishers, leading to outcomes that are not only improbable but also illogical. I have submitted disputes regarding inaccuracies on my credit report, yet Experian has repeatedly accepted the original furnishers responses without proper scrutiny, leaving me vulnerable and misrepresented. 

Moreover, the notifications I receive from Experian are utterly confusing, ambiguous, and often incorrect, failing to provide any substantial information regarding the results of my disputes. This lack of transparency is unacceptable and demonstrates a blatant disregard for consumers ' rights. 

Additionally, I wish to highlight that I should have two open accounts reported on my credit report : my XXXX account and my rental account, both of which are current. However, this has not been reflected accurately for the past five months. The ongoing inaccuracies threaten my ability to secure credit, employment, and housing, making it imperative that action is taken against Experian for their unfair acts and practices. 

Given these circumstances, I urge the CFPB and FTC to take immediate and decisive action against Experian. Their persistent violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) can not be overlooked. I respectfully request that you consider pursuing legal action against Experian to hold them accountable for their misconduct and to protect consumers like myself from their misleading and harmful practices. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB HERES AN EMAIL FROM EXPERIAN STATING THEY HAVE UPDATED INFORMATION. NOTHING HAS BEEN UPDATED
Product: Credit reporting or other personal consumer reports

Hi, there are items on my credit report that have resulted from fraud to which I never benefitted from. These have been previously deleted but the items keep coming back, I have reported them to the federal trade commission but they are not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX  XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXXXXXX XXXX XXXX  XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Product: Credit card

Made two payments to Cerulean Card Services ( Continental Finance ) that did not go through. I had the funds in my account and my banking and routing numbers were correct. They closed my card and placed a late payment on my credit report. I spoke with my bank and they have confirmed no transfers were made in that time period, let alone to Cerulean. I was able to make a payment over the phone via debit.
Product: Debt or credit management

On or about XX/XX/XXXX, I made a police report XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX, to report XXXX XXXX, XXXX : XX/XX/XXXX, who came to my home to make a few repairs. XXXX XXXX stole several items inside my home, including, material to complete the repairs, brushes, primer, spatulas and an array of other items, and, my XXXX XXXX credit card, # XXXX XXXX XXXX XXXX, from my purse, which was on the mantle. I made a police report regarding the missing items. 
On or about XX/XX/XXXX, XXXX XXXX XXXX line contacted me at XXXX, to report declined charges of {$1400.00} and another large amount ( {$1000.00} ), which XXXX XXXX considered fraudulent charges on my XXXX XXXX XXXX XXXX 
In addition, XXXX XXXX allowed several smaller charges and inquired as to whether I made all of the charges on XX/XX/XXXX and XX/XX/XXXX. 
I informed XXXX XXXX XXXX that I did not make the charges in question and did not authorize the charges, including : on XX/XX/XXXX for {$390.00} ; XX/XX/XXXX, for {$570.00} ; {$330.00} and {$67.00} ; XX/XX/XXXX, for {$520.00} and {$29.00} ; for a total of XXXX XXXX, within a two day period. Activity that is inconsistent with my spending activity. 
I denied making the unauthorized charges to my XXXX XXXX credit card. XXXX XXXX conducted their investigation, without contacting me to get my input, and seemingly made general assumptions about the charges and attributed the charges as my responsibility, despite my denial. 
On XX/XX/XXXX, XXXX XXXX sent me correspondence to notify me that they concluded the charges were my responsibility. On XX/XX/XXXX, I contacted XXXX XXXX Fraud unit to dispute XXXX XXXX findings and the fraudulent charges, XXXX XXXX has re-billed my account
Product: Debt collection

I placed a Complain ( # XXXX ) it came back as resolved??? 
There are many questions. 
1st Question : Hunter Warfield is indicating that " Interest is accruing at the legal interest rate on the account ''? I can not find that information on the Lease anywhere. Also what is the Legal Interest Rate? How much is that? where does that come from? 

2nd Question : Water was inside the walls. Sheetrock can be Dry but Mold can grow inside ( Smell is very distinctive ) XXXX XXXX promised that they will get a " Professional '' company to make a full report. I am still waiting for the official report. 
XXXX  show moisture meter which shows up to 12 % + of moisture ( 16 % is high moisture in walls ) I am still looking for the report that XXXX  promised when I spoke with them. ( I did contact them about mold ) I told XXXX  if they get me a professional report ( From certified Company ) indicating that there are no Mold inside the walls and under the cabinets I will pay the charges. 
Also location of the Moisture reading done by? is not indicated anywhere. 
How about under the cabinets ( There was 2 '' of water sitting in the kitchen / Living room area ) CFPB automatically accepting explanations without actual proofs from Hunter Warfield Inc. is not acceptable and I like CFPB to reopen this file. 
Hunter Warfield could have cost me Thousands in higher interest and I would like them to remove this charge immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
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.

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
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.

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX, has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information on my credit report with experian. this has been an issue that needs to be resolved asap. checking my credit report alot of invalid data has caused denials on my file. please review an remove the information submitted in the files asap.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

On XX/XX/year>, a fraudulent charge was made using my credit card information ( the card never left my physical possession ). The charge was with XXXX XXXX in the amount of {$190.00}. 

I originally submitted this dispute on XX/XX/year>, and called for an update on XX/XX/year>. I was told by an individual in the Citi Fraud Department that I incorrectly submitted the dispute as a standard dispute, and that I needed to close it so they could re-open it as a fraudulent charge dispute. A new card was then issued. On XX/XX/XXXX, Citi closed the dispute with the notation that I was responsible for the fraudulent charge. 

I followed up with Citi on XX/XX/XXXX and spoke to a woman named XXXX in the customer service department, who then transferred me back to the Security Operations department ( XXXX ), and I spoke with another woman by the name of XXXX. I was told that the fraud investigation takes some time to complete, and that I would receive follow-up once the investigation concluded. 

There has been no follow-up since this incident occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance! 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX