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

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - 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. These accounts [ XXXXXXXX XXXX  - ACCOUNT # XXXX ], [ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ], [ U S DEPT OF EDXXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF ED/XXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate. 

[ U S DEPT OF EDXXXX XXXX ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.
Product: Mortgage

Dear Sirs, Beginning in XX/XX/XXXX, upon nearing of my home insurance policies to be renewed, I started getting letters from both Cornerstone Home Lending ( my mortgage company ) and my insurance carrier that payment was not getting made to fund them. I began calling both companies then, out of concern they were not communicating with each other, despite my timely payments with escrow included. Cornerstone reassured me that the letters get autogenerated and payments get made at the last minute. I have contacted Cornerstone on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as well as my insurance carrier about as many times to rectify the issue. Ultimately, two of my three policies were payed for by Cornerstone, but not my flood insurance. As a result, they took out a costly flood policy on my behalf, and my biggest complaint today is I have still not gotten reimbursed for the disbursement out of my escrow for that policy ( {$340.00} ) and that my actual flood policy has still not gotten paid. My insurance company funded it themselves and are still patiently awaiting payment. I have never experienced the incompetence and lack of concern involving an issue that had nothing to do with me, and the length this problem still exists despite my best efforts to resolve it. I consistently get told by different representatives ( and supervisors, all in which I have documented names ) that the problem is getting resolved, but it is not. It has ultimately driven me to refinancing with a different institution, hopefully to close with in a few days. I would have never expected the indifference that this institution has shown in dealing with a problem that is clearly their fault, and me being penalized simply for choosing a poorly run financial institution. I sincerely hope you have more success in rectifying this problem than I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 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: Debt collection

I moved out of my apartment that I lived in for XXXX XXXX  always paid rent on time and in full. 
After I moved out I checked the dashboard on their website and noticed that it me owing {$830.00} I called the manager at XXXX XXXX XXXX XXXX to verify thats going on and told it was a mistake and that the accountant would correct it. XXXX XXXX  latter I get a letter from a collections agency for the amount. I do not owe this money or was notified that I owe this debt. And in fact they owe me my deposit.
Product: Money transfer, virtual currency, or money service

Hello, A month ago, I decided to open a new PayPal account to receive payments from my friends, or sometimes for my small digital sellings, since I rarely sold stuff, I didn't wan na make a business account, a week later, after receiving some credit from friends, PayPal has decided to limit my account. 
Me, as a legit person, have decided to provide my bank statements, ID card, Passport, and even most of the information asked, unfortunately, there was a technical issue, and whenever I clicked on confirm identity an error message popped, I decided to make many phone calls every day in order to solve the problem and provide the one left documents needed, I emailed you and messaged you multiple times hoping for support, unfortunately, I haven't received ANY response, I decided to message support via XXXX, still no response, then finally I went on XXXX, and after messaging from both of my accounts and after A WEEK, I got finally a response, they all promised the same thing until today I kept asking via dm to look through my account to see where is the problem, unfortunately, I received an email saying my account got PERMANENTLY limited, without stating the reason why, apparently I haven't done ANYTHING wrong, I have always been a great user, never did anything bad. 
Today after permanently limiting my account, I have 70+ dollars in hold for 180 days, I am still a student and I need that money in order to buy groceries and stuff, I've been very patient and they were all rude and never answer phone calls or help, they just say the same things, while contacting them again they said they can't help. 
Please try and help me solve this issue. 
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 
Thank you. 
My PayPal email : XXXX My PayPal Reference ID : XXXX Sincerely.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns rewarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This company do have Surety Bond with Texas Debt Collection Practices Act, Sec 392.102
Product: Debt collection

On XXXX XXXX XXXX, 2017. I called XXXX XXXX and was forwarded to the third party collection XXXX XXXX. Once forwarded to XXXX XXXX, the representative stated the introduction. And I verified the debt information ( last four of the social ). The rep stated the balance on the account. I stated to the rep that, that the balance that she stated to me is the amount that I was told previously. Instead of offering the dispute the representative, wanted for me to take the settlement instead.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXX XXXX  - XXXX XX/XX/XXXX {$3800.00} XXXX - XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX - XXXX XX/XX/XXXX {$6600.00} CAPITAL XXXX - XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}
Product: Student loan

In XX/XX/XXXX, I completed a loan consolidation for my all of my student loans with XXXX and Fed Loan. I completed this consolidation application because Fed Loan was refusing to give me Forbearance on my loans and they were getting further and further delinquency days added. 
I called Fed Loan again on XX/XX/XXXX to check the status of the consolidation loan and I was told it would take up to 7-10 more business days before they could give me an administrative forbearance to stop the delinquency on my account. 
I called back today, XX/XX/XXXX, to check the status of the administrative forbearance and again was told in my take another 10 business days. 
I explained to the representative that my delinquency days were now at 77 and 10 more days will get me very close to 90 days and I do not want a negative mark placed on my credit file. The representative stated there was nothing she could do and I would just have to wait.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Debt collection

In reviewed my credit profile I noticed several inaccurate, incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, section 611 ( 5 ) ( a ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or that can not be verified. 

The FOLLOWING derogatory accounts listed below are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. 

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 Delete I demand that the accounts listed above be VERIFIED for accuracy, and if UN-VERIFIABLE ; be immediately REMOVED/DELETED from my credit file. 

Furthermore ; to ensure that a trusted process was used to VALIDATE this allegation, I demand that you provide me with the complete comprehensive copy of the ORIGINAL CONTRACT with my WET SIGNATURE and any other document obtained from the consumers/creditors/vendors listed above showing and/or confirming that these accounts are mine. 

INQUIRIES MADE DUE TO IDENTITY THEFT and/or THE INFRACTIONS MENTIONED ABOVE are as follows- TO BE REMOVED/DELETED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my consumer credit report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Debt collection

Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the  disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am attaching two letters to illustrate how long this has been going on and I have actually disputed these acconts many times with Experian over that past 16 months. I would like to note that these accounts have already been removed from my XXXX and XXXX reports. Today I was on the phone with the fraud department of Experian and the representative admited to me that no human communication has taken place between Experian and the companies in question. This means that no real investigation ever took place. Now shortly after my most recent letter to Experian was recieved by them I placed a call to discuss the method of verification and was told by the rep that they are not obligated to disclose these methods. Now unless I am reading FCRA 611 in the wrong manner I believe they are in violation here and I am asking these acconts to be removed immediately. I would like to reference my previous CFPB complaint XXXX that was over a year ago, we are well beyond the time they are required by law as per the following .... 

( 6 ) Notice of Results of Reinvestigation ( A ) In general.A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

( B ) Contents.As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I do hope CFPB reminds Experian that they are in violation of the law. I would like to aviod taking Experian to court but will if I need to. These fraudulent acconts are having a negative affect on my business so prompt action in this matter is most appriciated.
Product: Student loan

I consolidated all of my federal loans prior to XXXX. My consolidated loan was transferred to a new loan servicer and is being divided into subsidized and unsubsidized loan categories, each loan category accrues interest separately. I have never requested or agreed to any changes. My attempt to reconcile this matter was unsuccessful, the representative stated this practice of dividing my consolidated loan is justified.
Product: Debt collection

I was XXXX in XX/XX/XXXX about five months into my XXXX two accounts for FCC Finance appeared on my credit report file as an open account like I had established a line of credit or brought a product from this company. I have never done any business with this company at all so I would like for them to remove these accounts immediately as it is impacting my credit score. The Account states that it was opened in XXXX but never reported anything until XX/XX/XXXX. 

Account number. XXXX for XXXX Account number XXXX for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After this account was discovered that it was not mines the credit reporting agency only closed it but did not block/ removed it. I'm demanding that this account ( XXXX/ XXXX ) is removed immediately.
Product: Student loan

A student loan is holding for 11yrs and 3 months XX/XX/2011 Dept of ed/AIDVANTAGE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.