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

I demand the XXXX late marks reporting to my credit reports in error be removed right away. The XXXX late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans XXXX accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a XXXX late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX XXXX late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever XXXX late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.
Product: Credit card

My credit union mailed XXXX checks to XXXX credit card agencies. XXXX to XXXX, and XXXX to Citi. The check mailed to XXXX cleared on XX/XX/XXXX. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no help.
Product: Credit card or prepaid card

I woke up to check my payroll card and it had XXXX dollars on it. I called to find out how when I just had XXXX $ on it before I went to sleep and I was told it was a transaction at XXXX XXXX from XXXX XXXX. The name of my card is XXXX XXXX XXXX.
Product: Mortgage

My mortgage company has responded to my last complaint claiming they couldn't take payments out if they landed on the weekend There has been payments taken out on Saturdays on several occasions XX/XX/XXXX XXXX the payment they should have taken out is XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, Saturday XX/XX/XXXX XXXX they should have taken out XXXX, and XXXX XXXX XXXX they took three payments out XXXX, XXXX, XXXX, XXXX XXXX XXXX to XX/XX/XXXX is when they started taking out the correct amount ( 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  XXXX Account Number : XXXX and 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: Checking or savings account

I am writing to file a complaint against navy. Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds. When transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFP b findings against Navy Federal for similar practices. Were transactions settled with insufficient balances? Despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified.

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/year>, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting.

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate.

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.

Account Name : [ XXXX ] Account Number : [ XXXX ]
Product: Debt collection

To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Student loan

I am writing to submit a XXXX XXXX XXXX XXXX application regarding the XXXX XXXX loans I obtained to finance my education at XXXX XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at tXXXX XXXX XXXXXXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. XXXX XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX  XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting Program Value : XXXX XXXX  XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant XXXX XXXX  debt to finance my education. In my first year, they advised I would need additional funding and that I could not get any additional federal funding until the following year. I had to go through a company called XXXX XXXX XXXX ( which later got bought out by American Education Services ) for additional funding which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of XXXXe XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans, had to file for XXXX XXXX bankruptcy in XXXX just after graduation, was delayed for almost XXXX years to be able to purchase a home, and on top of that, I could not land a job in my field of study that could even remotely support these high payback amounts. In XXXX years of payments, the principle balance has only gone down {$6000.00}.
Product: Mortgage

On XX/XX/XXXX, ( when my very first payment was due ) a payment in the amount of {$2200.00} was paid to the original service provider ( BSI Financial Services ) through their online portal. 

XXXX XXXX ( my new service provider ) says the loan was transferred sometime late XXXX, but I did not see the snail mail from either company saying that it was transferred on that date or before I made the XXXX payment to BSI. 

I have provided multiple forms of proof showing I made a full payment to {$2200.00} to BSI and now XXXX XXXX is saying BSI only sent over {$1300.00} ( principal & interest ) and now I am missing {$850.00}. 

I have made multiple calls & emails ( around XXXX, starting around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and now XX/XX/XXXX ) to BSI to try and figure out why 1. they never sent my first payment over and 2. why they only a partial payment after I had to call and email multiple times for the payment in the first place.
Product: Credit card or prepaid card

I have a credit card with Bank of America. My credit card was paid off, but they continued to withdraw {$250.00} each month out of checking account totaling {$1500.00}. 

Bank of America has assured me that they would be sending me my money back to no avail. Initially they said they would sending the money via check to my mailing address. When I didn't receive the check, I called again. They assured me once more they would send the funds back to my checking account, but have not received them. 

I have communicated with 6 different agents and each time, I am told that the funds would be resent. Please note that this situation has been going on since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX ssn. 
XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal inquiries that appears related to the aforementioned. I've attached a list of the hard inquiries in question as well as a copy of the consumer I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 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 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 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  .The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Despite providing valid documentation and receiving bank confirmation for immediate removal, the fraudulent account XXXX XXXX XXXX XXXX persists on my credit report. Immediate removal is essential to comply with legal obligations and maintain report accuracy.
Product: Credit card

Hello, I am opening this complaint again because last one was closed prematurely. Just because Citi bank has sent me a letter saying they can't help me with a dispute because it is 4 months old. They need to resolve it. Their disputes manager on XX/XX/year> told me that they are waiting for the merchant to respond and if the merchant doesn't respond then they will issue a permanent credit. 

I have opened a dispute against a vendor XXXX XXXX ( XXXXXXXX XXXX XXXX  ) for varios transactions because this contractor started a project, did some work and abandoned the project and ran away with all the money. Provided legal documents and legal decisions against the vendor that was taken by XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX. They confirmed and made a decision in my favor that contractor has abandoned the project. Contractor didn't show up for meetings with the investigator or responded to XXXX XXXX XXXX decisions either. It was a pretty straight forward case, if the state agency concluded the case in my favor and citibank didn't receive any communication from the Merchant ( as they said ) then it should have been in my favor. Also, last week, on XX/XX/XXXX, when I called the Citi Dispute department, they also told me they are just waiting for the merchant to respond and if they don't respond then you will have the permanent credit applied to your account. and today XX/XX/XXXX, they just sent a notice that dispute is over 4 months old so are closing your dispute and you're responsible for these transactions. They have given conflicting information throughout this dispute and have been unresponsive most of the times. I didn't get a single call from the dispute department. I had to chase them down what they need and sent them all documents that include XXXX decision directives from XXXX XXXX organization as well. All these credit cards companies have XXXX liability policy, it looks like they are just trying to get away from it because merchant is not responding and he probably closed his account. I have attached the XXXX  XXXX Complaint Summary, all XXXX directives taken by XXXX  XXXX, personal summary and a quote from a third party pool company to fix everything and build the pool. All these documents were sent to Citi Bank as well as proof.
Product: Debt collection

I have disputed this account BARCLAYS XXXX XXXX the inaccurate information being report on my credit report. XXXX continue not investigate this dispute despite the proof of inaccuracies I mailed via certified mailed.
Product: Checking or savings account

Disputed debit card transaction with Chase Bank on or about XX/XX/2018 with a useless unhelpful individual with case number XXXX. This was for a purchase charged to the account in the amount of {$760.00} on or about XX/XX/2018 from merchant XXXX XXXX XXXX, as per the attached and per my phone call, this charge was paid for with alternate method of cash as per the attached paid receipt. Further, never signed for the purchase nor agreed/allowed the merchant to bill me for this purchase.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Springoak  cap Account number : XXXX Subject : Dispute of Incorrect and Unauthorized Account Information Under 15 U.S.C. 1681b To Whom It May Concern : I am writing to dispute the reporting of an account on my credit report associated with Springoakcap, account number XXXX  After reviewing my credit report, I believe this account has been reported inaccurately, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}