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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Student loan

I am filing a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My sensitive education records have been improperly disclosed, which has led to concerns about my privacy and personal security.

Despite my efforts to resolve this issue with the institution, they have failed to take appropriate action to correct the situation.

I request that the Department of Education investigate this matter immediately and take the necessary steps to ensure my records remain protected. Please inform me of the next steps in this process and any additional information you may require.
Product: Debt collection

XXXX This debt was paid by XXXX and the rest owed should be billed to XXXX XXXX ID : XXXX
Product: Vehicle loan or lease

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ADVERSE ACTION NOTICE We regret to inform you that XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) is unable to consider you further for employment or as a contract driver. This decision was made, at least in part, from the information contained in your consumer reports, which we obtained from one or more of the following the consumer reporting agencies : Because of this I can not get a JOB I am a XXXX XXXX XXXXXXXX A
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX from Santander Auto, which I paid off on XX/XX/2019. To this day, I have yet to receive a title, lien release ... nothing! I have contacted them by phone dozens of times, for over a month and everytime, I am given the run around. The title has been lost in the mail for a month. The other alternative is for me to obtain a duplicate title at the DMV, but I need a lien release to do that. I have called Santander multiple times over the last weekm requesting that they fax a copy of the lean release to the XXXX NJ DMV, and after driving there and waiting, multiple times, they haven't received anything from Santander! After complaining, Santander told me it takes 5 days to send the fax. This is after another rep told me it takes 24 to 48 hours, and another told me it takes 2 to 3 hours. No one at Santander has the same story. I escalated this to a supervisor who told me, considering the original title was lost in the mail, it takes TWENTY days to request another, SO I waited 30+ days already, and now it will take 20 MORE! I demanded to be escalated even further to a higher up supervisor, and they hung up on me. I need to register this car in a new state as well as provide documentation to my new insurance carrier, within 30 days! I am risking issues with the aforementioned because I have no documentation to provide. Santander had no problem taking {$13000.00} for the payoff but they can't give me my documents! 30 days ago I paid it off. And they have been nothing but unhelpful since.
Product: Debt collection

My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks   XXXX    separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd  party vendor (   XXXX    ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my  FULL  social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
Product: Debt collection

I was continuing getting calls to pay a debt on my voicemail this was during the year 2020. I call back several times to let representatives know is not true. That I had paid my debts and they have the wrong person. They continued to harrasles me.
Product: Debt collection

I signed up for XXXX  low income internet. I was approved and a few months later we moved. I called XXXX to let them know I was moving my service and a technician came to my new place and installed a regular XXXX internet box with regular XXXX services and I had no idea until I received the bill. I called XXXX  and let them know I had the low income free school internet and no one could ever get this resolved. I want this immediately removed from my credit reports until XXXX  can come up with a better solution. This is not my fault. Even when I called XXXX  to get my service changed they transferred me to the XXXX  access department.
Product: Credit reporting or other personal consumer reports

n 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: Vehicle loan or lease

I sent a Validation of Debt and C & D letter to chase. 
I have been contacted 3 times which is {$1000.00} fine per contact. I ceased all contact except certified mail involving my dispute. This includes- in person, email, phone, and credit reporting/third parties ON my behalf. They failed to answer me within the time ( 30 days ) that I gave them. I proceeded to then get into contact with the CEO requested the information, have yet to hear anything yet a report of late payment was put on my credit report AFTER opting out of all communication with me or any third party regarding me. Were up to {$5000.00} in fines PURSUANT to the law and TILA. 
According to 15 usc 1650 ( a ) ( 1 ) ( c ) a co signer is not a spouse, so this entire transaction was illegal to start with. I have a team of attorneys, as well as proof of claims, and debt lined up and proof they failed to comply with TILA!
Product: Mortgage

I thought you should know that when I attempt to make additional principal payments on my mortgage, Mr. Cooper is automatically applying a portion of the payment to interest and escrow even though I am up to date on my payments. this forces the mortgagee to have to call in repeatedly to have it corrected.
Product: Student loan

I have tried several times to sign on to MOHELAs website. The website will not acknowledge my identity and can not resolve the issue. They have manipulated their website and call center in such a manner that it makes it impossible to sign on to repay your loan. They throw a ton of roadblocks in the way to keep you from registering. 

A quick ask on XXXX showed that many people are have the same problem. It was suggested that Mohela did not bother preparing for repayment or they are fishing for late fees. Either way they refuse to resolve the issue. You can not get a person on their customer service line and they claim the account is lock with no way of unlocking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

on the day of XX/XX/XXXX of 2022 with the check XXXX I sent a check to my landlord in the amount of XXXX. I send it via mail from a postal office ( drop mail ). don't know how someone took the check and put his name on it and cash it as if he was the person on the check. I didn't realize this problem until the Landlord send me a later on XX/XX/XXXX advising that I was missing the payment of XXXX. I did call chase bank and report the fraud. now chase is implicated because I did not reported this issue before 30 days I cant have my money back. like I mention before I did not know about this problem before XXXX.
Product: Money transfer, virtual currency, or money service

My account was hacked on XXXX, I contacted them immediately after it happened and lost over {$4000.00} to scammers. XXXX has been investigating this issue since XXXX and ive yet to get an update. There users continue to get hacked and lose money ane they dont care!!! Its irresponsible unethical and XXXX illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

Notice to agent is noticed to principle, notice to principle is noticed, to agent this is to inform the CFPB of a bad practice from Santander Consumer USA the company is collecting a debt, the company Is sending threatening letters in order to collect a debt. The company is threatening the consumer to repossess his vehicle. My understandings are the following 15 U.S. Code 1692d - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. and since I am aware of the law the company needs to follow rules and regulations and since the company is being Combative, I would like to proceed with 15 U.S. Code 1667d - Civil liability of lessors
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles hand particularly in the light of the recent CFPB lawsuit highlighting significant issue 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 loss funds was impossible and the tracking these transaction was unfeasible. The CFPB findings that has not only neglected to protect consumers but also allow repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and it raises serious concerns about consumer safety.
Product: Debt collection

PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt. 

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days. 

PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX. 

The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default. 

Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf. 

I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer. 

The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00}
Product: Credit card

On low interest balance transfers and checks I sometimes use them to help cash flow. I used that and setup my monthly payment to make monthly payment. It was well above the minimum. I keep paying it but UNKNOWN to me they changed the minimum payment amount. I called and waited on hold for hour to hear that minimum changes are is computer generated and typical. I recall no notification. They sure can find me when they think something is incorrect charge but not when they want to charge fees and interest they do not find you. It took me a couple months discover this issues and the fees and interest was in thousands of dollars. I checked my credit score and it too was impacted. I very fustrated with they can do this. I immediately paid off CC and still no relief from them. Closing the account only hurts my credit score so they win. I need someone to help the individuals. 

This was with Bank of America cards.
Product: Debt collection

While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. 
The debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them.
Product: Checking or savings account

Wells Fargo which was my bank during XXXX through XXXX and longer open an account got my knowledge for identity theft protection with XXXX money from my account for approximately 3 years starting from XX/XX/XXXX through XX/XX/XXXX XXXX each month they have admitted to misappropriating the funds opening up accounts without knowledge of the person they have admitted to fraud and abusing accounts and Monies they broke the banking codes they tricked and use money that I earned to do those things they sent the check of {$1100.00} XX/XX/XXXX I opted to go to mediation, they tried to offer {$700.00} extra dollars however I opted to go to mediation which we did on XX/XX/XXXX, they would only offer another {$2700.00} as a final offer which they let me know was not a binding resolution and that I could file a complaint with you. 
They're not accounting for the fraud in the misuse in a misappropriation of funds that they committed against me over XXXX  years ago and neither are they considering the stress of having to deal with such an issue from a well-known establishment I was a faithful customer of theirs and they abused me misuse my funds committed fraud against me cause me undue stress and they did not want to give me the proper compensation They did this to me and my account for almost XXXX  years and never once provided the service that they so-called signed me up for I never received any notices any reports or anything they just took my money monthly and committed fraud misused it I have all of my letters and documentation from them and if you check the confession of Wells Fargo you will see that they admit it to the fraud and misappropriation misuse Etc it has been a long process since early XXXX this year up until the end of XXXX before they would even try for mediation they wanted to skate by and not compensate people the way that they deserve to be compensated they abuse the laws the banking laws and they agreed to make good to the people that they did these things too now I have to check my bank accounts now everyday every other day it's stressful because I don't know when someone is going to do the same thing to me again Wells Fargo took advantage of my trust they violated the federal fair credit Reporting Act the embellished funds from customers like me the Federal Reserve board find them they were an ethical violation of the banking codes as well I trusted them and was a proud member many years they miss applied money 's received from me to do whatever they wanted to do charge incorrect fees open up other accounts applied fraudulent interest open up fake accounts I have been wronged and used so many legal fees to where they have admitted fraud creating personal PIN numbers and misappropriation of funds the justice department in the SEC have found them guilty of committing these crimes now just think if it would have been me committed these crimes against Wells Fargo what would have happened to me what would I be how much would I have to pay how many years would I have gone to jail none of these people went to jail they just agreed to compensate and that's what they should do
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for your help to correct these following accounts : XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX XXXX : {$21000.00}.