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

XXXX  XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX - General Processors XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

My mortgage with XXXX XXXX initially had high payments that were challenging to manage, leading to me falling behind. To address this, I reached out to XXXX XXXX for a loan modification. After a review of my circumstances, the modification was approved, with the first payment due on XX/XX/year>. However, my account was transferred to Midland Mortgage about six weeks into the modification process.

Upon accessing Midland Mortgage 's website, I noticed that the information provided was quite limited, and it reflected a balance of {$20000.00}. This balance is currently under dispute because it includes a payment that XXXX XXXX failed to process during the transition of my account to Midland Mortgage. This has added confusion and complications to an already stressful situation.

Midland Mortgage informed me that I needed to make payments directly to them. When I contacted them, they said they were still processing my loan modification, but no further updates have been provided. Despite my repeated attempts to follow up, I have not received adequate responses to my inquiries.

Meanwhile, these unresolved issues are inconvenient and impacting my credit report, which now inaccurately reflects the situation. This has caused significant concern as I work to resolve these discrepancies and ensure that my account with XXXX XXXX and Midland Mortgage is updated correctly. The lack of clear communication and resolution has made moving forward difficult.
Product: Debt collection

WAS CONTACTED BY NPAS ON XX/XX/2018 AT XXXX XXXX ABOUT A BILL WITH XXXX HOSPITAL THE REP MADE ME MADE WITH HER SARCASTIC ATTITUDE. YES I SPOKE HER OUT TOLD HER THAT I HAVE BEEN WAITING ON A ITEMIZED STATEMENT FROM THEM 6 MONTHS HAVE NOT RECEIVED IT YET. SHE SAID WELL MAYBE YOU NEED TO MAKE A PAYMENT I SAID I WILL NOT BE DOUBLE DIPPED FOR MEDICAL BILLS.AND THAT I TOLD THIS TO THE OTHER COLLECTION AGENCY. SHE KEPT GETTING SARCASTIC AND I SPOKE HER OUT AND HUNG UP.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX, Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. Santander XXXX XXXX. XXXX XXXX Santander XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this company run my credit the same day I dont recognize them and the day was XX/XX/2021
Product: Debt collection

XXXX dba XXXX, XXXXand XXXX harassed me and my family at work and home for 10 years. They claimed they bought a 15 year old Sears Citibank Master Card debt that belong to me. In 2008, after hardship during Hurricane XXXX, we file bankruptcy. So, this debt was discharge by Citibank. 

In XXXX, XXXX/XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my XXXX. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was discharged. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

This regarding to XXXX bank. This credit card company has withdrawn money from my checking account with out my authorization. This happened already twice and they are trying to blame me that I made that transaction. They are an scam.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I have submitted numerous documentation ( which is attached ) to the creditor, XXXX, as well as to Experian, XXXX and XXXX to validate that I have paid XXXX account XXXX in full and that XXXX XXXX illegally applied the payment to XXXX account # XXXX. 
I have requested on numerous occasion that XXXX XXXX provided debt validation for account # XXXX, however, they have not done so as required by the Fair Credit Reporting Act. 
Yet, Experian and XXXX continue to report this account as an open collection although documentation have been submitted on numerous occasions to them, proving that the money that was submitted to pay off this account was applied to an account that violates the Fair Debt Collection Practices Act. The creditor continues to violate both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and has not responded to my requests for debt validation, yet Experian and XXXX continues to report the debt based upon the false info provided by the XXXX. Due to XXXX XXXX 's blatant violation of federal laws, XXXX has correctly deleted this account from my credit file. 

I am requesting the CFPB to request Experian to delete this account from my credit file as required by Federal Law. Complete documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$9700.00} improperly reporting
Product: Bank account or service

I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an existing account with US Bank in XXXX XXXX, CA. On XX/XX/XXXX I received 2 electronic funds deposits totaling about {$32000.00} from an acquaintance. I withdrew {$3500.00} in cash on XX/XX/XXXX. Then on or about XX/XX/XXXX I requested a cashiers check in the amount of {$20000.00}. This request was refused and US Bank put my account in lock down and froze the balance in the account. I attempted on many occasions from XXXX thru XX/XX/XXXX to find out what the issue was and why this was done? I was told that the ONLY person that could answer my questions was XXXX from the US Bank fraud department. I called XXXX at least 10-15 times & left messages, her # is XXXX. Finally XXXX called me back, she was extremely rude and threatening and told me that the funds were being sent back and that she was waiting on the forms to send the money back. I became very frustrated and gave up on trying to recover these funds. I recently logged, XX/XX/XXXX into the account and was very surprised to see that I could log in and see that the funds were still in the account! I have never received any messages or anything in writing from US Bank. I was able to review the bank statement from XX/XX/XXXX and see the balance. I am now unemployed and my state unemployment has run out and I need this money! I am going to meet with the bank manager, Ms. XXXX XXXX to request that the funds be released to me and the account closed. The phone number to her branch is XXXX.
Product: Checking or savings account

I had my debit card stolen from me and someone charges over {XXXX} to my card. I tried to dispute the charges with American Express Serve and the declined me even after providing all valid info including a police report number and full name of the suspect.
Product: Checking or savings account

On XX/XX/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. 

I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.
Product: Credit card

Was told that I had multiple late payments due to my bank account not issuing funds accordingly as requested. 
Close to my bank account and also took additional money from me without my knowledge of knowing that I had purchased credit protection. This company made me pay an additional interest and credit protection fees did not aware me of account closure and closed my account without my knowledge.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 60 days to be removed.

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 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Consolidation company called. They apparently have 2 names " XXXX XXXX '' and " equitable acceptance '' They said they were consolidating my loans, I had 2 originally. However, after signing with them I have 3. This is quite confusing to me. They are emailing and calling, numbers I did n't even give to them. They are also threatening. I have n't sent any payments and when I found out this was a scam I turned off my card and changed accounts.
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. 
XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX  Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 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: Debt collection

XXXX RA Roger Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( RA Roger Collection ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

I am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

1. Navient was servicing my loans XXXX loans. 
2. I never skipped a payment and my account was in really good standing. 
3. On XX/XX/XXXX I made a payment to my account of {$270.00} ( in excess of my XXXX required payments - also they never froze interests during the pandemic ) 4. On XX/XX/XXXX my balance was of {$45000.00}. 
5. On XX/XX/XXXX the Department of Education purchased/consolidated my loans with a payment to Navient of {$45000.00}. 
6.That is a difference of {$360.00}.

7.There could not have been late fees because I made a payment of {$270.00} on XX/XX/XXXX and the interests ( 4.5 % ) would not amount to {$360.00} ( can not be more than {$50.00} ) 8. I called Navient and they would not address my concerns. 
9. I checked with the Department of Education if there were any consolidations fees and they assured me there were not. 
10. I wrote to Navient twice and they have not addressed my issue. 
11. I'm entitled to know what happened to the difference Thank you in advance for your help. 
Kind Regards XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX XXXX # 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 card

acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.