23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am XXXX payments away from PSLF loan forgiveness, and I requested PSLF buyback over XXXX months ago. Studentaid.gov has failed to process my PSLF buyback request in a timely fashion. I was advised by multiple individuals that this process would take up to 90 days. This request has exceeded 90 days, and my initial request was submitted almost a year ago. I have submitted several of these requests over the past few months. I was told that my cases have been escalated, but nobody is processing the request. This is completely unacceptable. In addition, my loan servicer ( MOHELA ) stated that they are not able to assist with anything because studentaid.gov handles my PSLF account. I have been bounced back and forth between the XXXX entities with no resolution. MOHELA has been terrible to deal with, and their phone wait times to get a rep have exceeded XXXX hours.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Transunion 's failure to conduct proper investigations.

As per 15 U.S.C. 1681i, ( a ) ( 1 ) ( A ), Transunion is required to conduct a thorough and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Transunion : ( 1 ) Conduct a thorough reinvestigation of the following disputed accounts or items.

( 2 ) Provide me with all documentation used to verify the accuracy of the disputed information.

( 3 ) Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

I have disputed the following items on my credit report and was not provided an answer within 30 days, and the response did not include any additional evidence other than stating that no changes were made : XXXX XXXX, XXXX, XXXX, in addition to others. 

Given the recent CFPB findings, I expect Transunion to handle this dispute with the utmost seriousness and compliance with legal standards. If Transunion fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect confirmation of any changes made to my credit file.
Product: Credit card

A XX/XX/XXXX credit card transaction where the payment did not come through on the other side. I filed a report against XXXX on this same site who laid out all of the details about how its an issue on the banks side.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and there are items that are unverifiable and not reporting accurately. These items should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request Equifax and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
Product: Credit reporting or other personal consumer reports

Subject : Reinvestigation of Misleading Information under FCRA Section 605B DearExperian, I am writing for you the credit bureau to reinvestigate information on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). I recently acquired and rechecked a copy of my latest credit report from your organization and discovered that these items is still reporting also I believe that these accounts were anonymous or unverified and should be removed or amended.I also filed a complaint through Federal Trade Commission to support my claim which is attached at the bottom of this letter together with my proof of identity documents. FTC reference number is : XXXX. 

Under 15 U.S. Code 1692e. ( False or misleading representations ), you failed to notate these accounts was in dispute within 30 days now these accounts are in violation. 

I believe there is actually errors or inaccuracies in the information provided to me, and I am requesting a thorough re-investigation into the matter as outlined in the FCRA. The data breach notice fails to provide specific details regarding the nature of the breach, the extent of the information compromised, and the actions being taken to mitigate the risks to my personal information. 

I request a thorough reinvestigation into this matter as required by the FCRA. Please verify the accuracy of the information provided by the creditor and ensure that it is reported correctly. If you find that the disputed items were inaccurate, incomplete, or unverifiable, I request its prompt removal from my credit report.
Product: Mortgage

Denied HELOC with Frost Bank Even though All information was provided, not provided reason this is Discrimmination To : Stellges, XXXX XXXX Subject : [ XXXX ] RE : Frost Bank Home Equity Line of Credit Scenario : Please specify account that reflect slow payment history and charge off, I would like to make sure this information that is on my credit report is accurate please provide copy of credit report Thanks Reply RE : [ XXXX ] RE : Frost Bank Home Equity Line of Credit Scenario : XX/XX/year> at XXXX message XXXX XXXXXXXX XXXX Cc : Stellges, XXXX XXXX XXXX XXXX not provide a credit report ; its a system read credit report only. We pull from XXXX only. You will have to go to a free credit report service online to get a report in full
Product: Credit card or prepaid card

I've been divorced a couple of years now and I've changed my address twice. At one time my husband and I had joint accounts with TD Bank but not since our seperation in XX/XX/XXXX. I am at my current address over a year now and TD Bank have been mailing credit card applications to my Ex-Husband at my address. I have received 6 since the begining of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a complaint with respect to XXXX XXXX Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says that XXXX XXXX is a furnisher of information to a consumer reporting agency. 
It is against the law for the XXXX XXXX to provide inaccurate information. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the XXXX  2021 publication. 
XXXX XXXX Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this XXXX form.
Product: Checking or savings account

I was the victim of a fraud situation. I paid for services that I never received, so I went back to the bank that I made the deposit at, they said to go to my own bank cause thats where the transaction began. The account I deposited money into was at a Chase bank. The account I used to deposit the funds was from a XXXX account. Chase told me it was out of their hands, even tho the account belonged to them. XXXX said theyd do an investigation and provided a provisional credit of the amount that was lost to the scammers, {$1200.00} back into our account. When XXXX decision came back, they said Chase bank claimed we had loaned that money to someone, and there fore they were not responsible for the transaction. So XXXX withdrew the provisional credit and it overdrew our account {$1200.00}. I think Chase should be held accountable and if not Chase then XXXX with their fraud protection should help us in this case, but neither one is assisting in this problem.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XXXX I I received paperwork claiming that I had a balance of a {$1000.00} from XXXX. XXXX  from Citibank. I waited. 
On hold for an hour for the representative to say that that it was an error sending out those forms. But I still think someone should know about it. She told me to disregard it but couldn't give me a confirmation number or any paperwork confirming the dismissal of this paperwork.
Product: Money transfer, virtual currency, or money service

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



ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Vehicle loan or lease

can nop longer mk pymt car is not in my procession can be found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
Product: Mortgage

I entered into a mortgage which was subsequently sold to Mr. Cooper. Prior to the sale of my mortgage, the previous servicers had purchased property insurance on my behalf due to their not receiving the proof of insurance that I had submitted. They later received the proof of insurance and cancelled the policy they placed and the premium was refunded to the loan servicer. Subsequently, Mr. Cooper acquired my mortgage but the refund had not hit my account on the date of transfer. My Cooper has been charging me for an escrow payment of {$100.00} each month since that date even though I have no escrow account with them. Purportedly, it is to recoup the insurance premium that was refunded to the loan servicer. I've spoken to both the original loan service and Mr. Cooper on the same call and these facts have been confirmed and that I owe no escrow amounts. However Mr. Cooper has continued to charge me for the escrow improperly. In essence, they are stealing money from me because no amounts are owed and they agree that no amounts are owed. I've been dealing with this issue with them repeatedly for several months. Now when I try to speak to a representative, their customer service number will not allow me to speak to a person. You can only receive automated information unless you are requesting to refinance with them. I need your help it getting Mr. Cooper to stop stealing my money. I've asked them to apply all of the amounts they collected in error to principal but after several months nothing has occurred. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INITIATED A DISPUTED WITH EQUIFAX CREDIT REPORTING AGENCY ON OR ABOUT XX/XX/2020 AND THE FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE ME THE METHOD VERIFICATION FOR FROM PRIOR DISPUTED OR PROVIDE THE INFORMATION ON FILE PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...
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 # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX 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 or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX inaccuracies have not been resolved. 

This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Open Payment Status : Current Creditor Remarks : Auto, Fixed rate Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$0.00} Account Type : Auto Loan Credit Limit : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction from your agency.

If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

AAG Loan Officer XXXX XXXX abused and harrassed me repeatedly. After I pointed out mistakes on documents she sent to via email. She contacted me on a phone number I didn't give to her. I explained I bought that phone for a friend 2years ago, please don't sent any personal information to that number, she continued to send text to the number about my reverse Mortgage application. I asked her to stop. She continues to use the number and escalated the problems. I informed her I wanted a different loan officer and requested a change from AAG. I told her not to contact me anymore, but she continues to demand I obey her. I'm elderly, permanently XXXX and partially XXXX. She just threatened to cancel my loan if I didn't call her back. No reply from anyone at AAG XXXX CA
Product: Student loan

I have subsidized federal student loans. While I am enrolled in school these loans should not be charged interest and a payment should not be due. I have made several deferment requests to Nelnet, my servicer. These requests go nowhere and I am left paying interest on loans that I should not be required to pay. The errors are also not corrected, meaning that even if I submit a deferment request, Nelnet 's delay in processing the request results in an overcharge of interest. In addition to the problem of interest, Nelnet removing my deferment, although I was still enrolled more than half time, resulted in automatic payments that should not have been pulled from my accounts. Nelnet is not processing deferment requests for being in school in a timely or accurate way. As a consumer, there is no way for me to be any more involved in the process besides requesting deferment over and over again.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting several different variations of my name an a name that is not mine. This opens me up to identity theft and fraud. They only should be reporting my legal name. which has be provided to them be me several times in the form of picture ID such as a copy of my driver license. 

They are legally obligated to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Cash Central is sending me collection emails at XXXX XXXX which is against FDCPA guidelines