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

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

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Trying to remove disputes with XXXX and Equifax is beyond difficult. 

Agents have different answers and cant seem to fix anything correctly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e b ) Accuracy of 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. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : 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 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

I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
Product: Debt collection

Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX balance {$920.00}
Product: Mortgage

NEWREZ LOAN # : XXXX On XX/XX/XXXX, I was awakened at XXXX XXXX by a call from the collection department at NEWREZ. Besides increasing my monthly payment to {$1000.00} due to the misappropriation of escrow funds in XX/XX/XXXX for hazard insurance that I already had, I learned that they received my XXXX payment of {$1000.00} on XX/XX/XXXX. This early payment occurred because the bank processes payments ahead of time if the due date falls on a weekend. 
NEWREZ 's business model appears to involve misappropriating funds to generate late fees. Consequently, my XXXX mortgage payment was categorized as an additional payment in XXXX. NEWREZ misused these funds to cover their fraudulent charges. Specifically, {$750.00} was applied to the principal, {$73.00} was used to pay fraudulent late fees, and {$160.00} was refunded to me. However, {$28.00} remains unaccounted for. 
It took me over XXXX hours of conversations with multiple employees, including XXXX supervisors, to explain the situation. According to NEWREZ 's response to the Consumer Financial Protection Bureau, the facts I presented were confirmed. Although NEWREZ reimbursed the misappropriated funds on XX/XX/XXXX, and adjusted my new payment to {$1000.00} ( reflecting a {$2.00} increase due to a rise in hazard insurance in XX/XX/XXXX and {$24.00} less than the amount they required after the escrow misappropriation ), they chose to delay the new payment amount until XX/XX/XXXX. 
This issue has not only the potential to cost me money but has also consumed over XXXX hours of my time explaining these details to various people in the mortgage industry. The stress has caused my XXXX XXXXXXXX XXXX XXXX. Although NEWREZ employees claim to understand my situation, they fail to recognize that the entire incident is a result of NEWREZ 's practices. Company policy prevents them from refunding more than one late fee or providing contact information for someone with the necessary authority. 
I request that NEWREZ rectify my account by taking the following actions : Remove all late payments incurred after the misappropriation of funds in XX/XX/XXXX. 

Apply the XX/XX/XXXX payment to XXXX, as it was intended. 

Reallocate the {$750.00} from the principal and apply it towards the XXXX payment, where it belongs. 

I want to be compensated {$36.00} ( XXXX XXXX = {$210.00} ) I have a refund of XXXX XXXX XXXX. 
It is my contention that NEWREZ intentionally misappropriates funds to generate late fees. Additionally, consumer complaints are not assigned to an individual, ensuring maximum frustration for those seeking a resolution. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On repeated occasions I have asked that they review the inaccurate information in this account, every month it must have the balance, scheduled payment, amount paid and payment due. which does not have it in the month XX/XX/2021 and the following months. Therefore, it can not be 30 days late. Account XXXX XXXX # XXXX. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account NamXXXX XXXX XXXX XXXX XXXXccount Number : XXXX Date of Last Activity : Experian shows XX/XX/year>, which differs from the dates reported by the other agencies ( XX/XX/year> in XXXX and XX/XX/year> in XXXX XXXX. This discrepancy could be an error if all agencies are expected to report the same date. 
Date Reported : Experian lists XX/XX/year> as the reporting date, which is later than the other agencies. This might indicate that Experian did not update its records at the same time as the others. 
Payment History : Experian includes a record of XXXX month marked as " CO '' ( XXXX ), indicating a defaulted account. However, since the account is already listed as closed and paid, this XXXX not accurately reflect its current status. 
Account Rating : It displays " XXXX '', which appears correct, but the inconsistency with the last activity date and payment history could create confusion regarding the account 's actual condition. 
Payment Frequency : Experian does not report any payment frequency, while XXXX mentions monthly payments. This absence of data could be seen as incomplete. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experiaan has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score XXXXXXXX XXXX XXXX with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Dispute my submission, Equifax consistently responded within 24hours stating the account was 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 


Any account in collections or marked late.
Product: Mortgage

I am accusing SLS Servicing of Disparity Treatment. I am requesting an inquiry of how many people / loans the company has unilaterally offered a Modification without documentation vs documentation. How many people have been affected by the arbitrary judgment of the individuals in loss mitigation. 
SLS states to send an offer of a modification which was not received, and to not extend it. 
I am asking CFPB if an audit has been made for this company. 
I have a recording of SLS which stated my payment had been received and a statement stating it was not received and it was applied the following month. 
I have XXXX XXXX screenshots / PDF and recording that they refused to take a payment and had transferred the loan without the 15 day requirement. 
I also have XXXX XXXX send me documentation about another customer and their internal records and modification. 
I have documentation of the original lender not following proper loan origination, servicing and FDCPA practices. it has yet to respond to my original request via the CFPB complaint. Is this not of CFPB concern? 
let me know where I am to forward the over 100 pages of illegal practices. 
This is bad practices and bad faith on not 1 but 3 lenders/servicers by transferring the loan 6 times in under 12 months.
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 USC 1681.

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 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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- XXXX
Product: Credit card or prepaid card

I have a account with skylight Im a minor my account got locked because I put in the wrong password three times, Ive called them multiple times sent multiple documents and a lot of them got denied my social and birth certificate did get improved but they still wont unlock my account and Im a minor only XXXX so I dont have any other type of Id.
Product: Payday loan, title loan, or personal loan

Got hired on from a contract agency as a permanent employee and my pay schedule changed. Earnin wont change my withdrawal date to reflect that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to Equifax regarding this collection on my credit report from XXXX XXXX XXXX XXXX XXXX ) this account has not been updated since XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX so it has not been accurately validated like Equifax and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXXXXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.
Product: Checking or savings account

I had a checking account with Investors Bank ( Acct No. XXXX ). This account also had an Overdraft Line of Credit associated with it ( Acct No. XXXX ). I closed my checking account on XX/XX/XXXX. Unfortunately the Branch did not close the line of credit associated with it at the same time ( it had XXXX balance at the time ), and this overdraft account has been on the bank 's books and I continue to receive monthly statements nearly four years after closing. I stopped by the XXXX Branch of the Bank on XX/XX/XXXX and spoke to the Manager about this. He promised to have it closed, even though he could not do it on the spot in their systems. I have written to the bank on XX/XX/XXXX ( see attached letter ) asking them to stop sending me monthly statements associated with this account. The bank has neither closed the account nor given me an explanation for their inaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian having not fix the problem I was victim of identity theft if they can't provide identification card social security then someone use. My name not making my credit report no better
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$520.00}