23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.
Product: Student loan

I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing. 

I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans. 

I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a CFPB complaint ID : XXXX, where Equifax claims to have " verified '' information that is incorrectly reported on my credit profile. Equifax has not satisfied the requirements under 15 USC 1681i as it relates to the investigative process, Equifax needs to provide information about how they verified this information. Who did they speak to, addresses, phone numbers, what was said to verify this information? 

Equifax has also not satisfied the requirements under 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax has not followed reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. Equifax should also be working with the other CRA 's to make sure all accounts are reporting the same accounts with accuracy. The exact accounts Equifax claimed they " verified '' have been deleted from other CRA 's because they are in fact, inaccurate. Why has another CRA been able to verify that these accounts are inaccurate, and have been deleted but Equifax can not? ( See attached ) Equifax is also reporting that an open/active account has been closed by the creditor. This is inaccurate information. The account is still open. I have attached a new order where I used my credit from the account that is being reported as closed by the creditor. This also does not satisfy the requirements of 15 USC 1681e ( b ) as it relates to accuracy of report. Equifax does not follow reasonable procedures to assure maximum accuracy of the information concerning the individual to whom the report relates. ( See attached ) These are all known violations, that I expect to be remedied immediately. I have filed with the FTC report XXXX making them aware of this pattern of violations pursuant to 15 USC 1681s ( a ) ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I have a current card and was showing a withdrawal.of XXXX dollars and XXXX dollars and XXXX dollars current says its legitimate but i don't see how I never authorized it I never signed up with anything I never heard of them I look it up on line it shows that XXXX people had reported them for making unauthorized charges and just now current said I don't get the XXXX back but I get XXXX back from the XXXX dollar dispute the name that shows up is XXXX through XXXX unthirized charges im.confused but I know they are fraudulent charges what should I do now
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. 

Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : DEPTEDXXXX  Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit card

On XX/XX/year>, I was charged {$170.00} for a Best Buy Renewal that was never authorized. I attempted to call them and got a run-around. I called in and spoke with someone who is unable to help me, and I was unable to dispute it electronically.
Product: Debt collection

Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX - Opened XX/XX/XXXX - Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. XXXX confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. They were each updated on different dates. Experian shows XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Experian and XXXX report the same last payment date as XX/XX/XXXX when XXXX shows XX/XX/XXXX. XXXX reports the worst payment date as XXXX days when XXXX shows No Info. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account. It also reports as a credit card, when it was in fact, a secured credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account this appeared on my credit report awhile ago Ive never had an account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that CFPB doesn't investigate on these consumer reporting agencies is an issue for the consumer. Chexsystem made false statement in regard to my dispute submission of a police report & failed to follow FCRA 605b below is the attached evidence include last complaint that CFPB decided to close.
Product: Mortgage

I flooded in Hurricane Harvey XX/XX/XXXX, I decided to rebuild and act as general contractor. My home is complete and we are moved in. I used all of my savings to rebuild. My Mortgage Company Loan Care is hold an insurance check of {$57000.00}. It has been more than 2 months ( Since XX/XX/XXXX ) and I don't have any insurance check in my hands. I am not past due 3 months past due and I fear that Loan Care will foreclose on me soon. My home passed final inspection XX/XX/XXXX with a 100 % complete and Loancare does not release funds. At this moment they don't know when Corporate Loancare will release funds.
Product: Student loan

This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.
Product: Credit reporting or other personal consumer reports

1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries on my credit report do not belong to me : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

They never let you get money back if someone scammed you they have no back up to help you like a regular bank
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

Acima closed the complaint with CFPB without addressing the prior disputes of Privacy Policy Notice along with Truth and Lending disclosures. This Consumer Transaction falls under Truth and Lending due to the products being leased by Acima and Disclosures are required by law. Acima only responded with payment history along with the Lease Agreement which is clearly not the disclosures that I request. The failure from this Company to provide information that by law they should have and that I'm entitled too constitutes to Practices for Deception and Unfairness. I have disputed this matter 3 times directly and 8 times through XXXX totaling 11 disputes with no results. If Resolution is not met and Acima not willing to provide Disclosures Legal action will be sought.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Failing to Correct Inaccurate Information on XXXX OF XXXX Account Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( XXXX, Experian ) ; {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( XXXX ) ; Not Verified ( Experian, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian, XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX, Experian ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : XXXX XXXX Late 30 Days Experian : Late 30 Days XXXX : Current Creditor Remarks : XXXX XXXX Canceled by credit grantor Experian : Account closed due to inactivity XXXX XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment XXXX XXXX {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : XXXX & Experian : Reports a 30-day late payment. 
XXXX : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate.

TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness.

Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities.

Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Mortgage

Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you.