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

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX Account Number : XXXX 30 days late onXX/XX/XXXX 60 day in XX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 90 days late in XX/XX/XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Debt collection

I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
Product: Student loan

My loan is XXXX XXXX XXXX with a beginning balance of {$8100.00}. I have been trying to get some resolution since XXXX when I called Navient to setup automatically payments with my new checking account information.I then discover that my co-signer filed bankruptcy. The representative told me that I can not make any payments until his bankruptcy was finished nearly a year went bye. Then I begin receiving collections calls around XXXX of XXXX. I spoke to someone in collections stating that the bankruptcy was complete in I was past due in payments. Which I was unaware and explained to the rep, I was tried to make payments the prior year and was told I couldnt make no payments.At that point I made my first complaint With CFPB. My compliant was closed with no resolution. A payment was made in XXXX XXXX.i have tried on serversl occasions to get a copy of my life span payments that was applied towards interest and principle. Still no response I begin to file my second complaint to CFPB. I made a call to Navient around the end of XXXX. I finally received a itemized copy of what was supposed be a break down of the life of my loan Dated XXXX.which is not reflecting to what my online account information has. I made a call Beginning of XXXX XXXX explained that the itemized bill still doesnt seem to be correct because the format of the bill has doesnt refelect with what I thought was paid throughout the span of the loan. I informed her that I had got reported with the credit bureaus for 69 days late in XXXX that has effected my credit score.I begin to ask the rep about a settlement for the loan she informed that she would have to present an counter offer to the CEO of the company and also that I would have to make at least {$1900.00} dollars and payments a month if was to get an settlement offer. She gave me a breakdown of how many months of payments that was made around 124 and 26 months of forbearance. Then she begins to say the only other option was for me to pay interest at XXXX dollars a month for a couple of months because accord XXXX dollars of interest leaving my loan amount at {$7500.00} I didnt get anywhere with what I wanted to accomplish during this phone call. On XXXX/XXXX/XXXX I called customer advocate department on the Navient website.I spoke to someone who perceived that she was going to assist me. As I begin to explain my issues. She put me on hold then transferred me to 90 day collection. 
I ask the rep why was I transferred he stated that he didnt know. I began to explain to him what my issue was and the only thing stated he was going to put my request. I then ended my conversation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I noticed that there is a reported collection that magically popped up and states that it was open on XXXXThe collection agency XXXX XXXX XXXX had placed a debt in the amount of {$1300.00} on my credit report that is not my debt. This debt is most likely a result of identity theft as well as fraud. I reached out to the company and asked them to provide me with a signed purchase agreement as well as the information for the originating creditor and proof of ownership for this account. I was not provided this information therefore this debt should be removed immediately. 
I would also like the following inquiries removed from my report due to them being unauthorized. The following inquiries are below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a collection from contract callers which is affecting my personal credit I would like to request that this be removed from my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX ] Consumer Social Security Number : [ XXXX ] Consumer Date of Birth : [ XXXX ] Contents of Complaint : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, as a credit reporting agency, block certain information from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question is a result of identity theft and fraud. Specifically, I am requesting the removal of the following fraudulent entries : Auto Loan With XXXX XXXX XXXX XXXXXXXX XXXX Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Telecommunications/Cellular Account With XXXX XXXX XXXX Opened On : XX/XX/XXXXXXXX  * Account Number : [ XXXX ] These fraudulent accounts have also resulted in several hard inquiries and collections entries on my credit report, which are also a result of identity theft. 
Supporting Documentation : * A copy of the FTC Identity Theft Affidavit : [ FTC Identity Theft Criminal Complaint # ( XXXXXXXX XXXX XXXX A copy of my FICO credit report showing the fraudulent entries I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate them. They are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I discovered on XX/XX/XXXX that my XXXX account was reported as suspended while updating my Transunion credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my XXXX account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact XXXX on XX/XX/year> at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Product: Credit card

I returned a purchase of a washer and dryer at Lowes. I did the financials on the XXXX XXXX XXXX account. I paid XXXX dollars to Lowe 's. I returned the appliances. I got a return of {$2500.00}. I had to pay the creditor {$600.00} Synchrony even though I no longer had the appliances. feel like both Lowes and Synchrony are robbing me. I paid the bill because I didn't want my good credit ruined.
Product: Mortgage

Over a year ago I requested a removal of PMI it had been 2 years since I had started mortgage. They said home did not meet the amount needed to do so. That was false. So I waited a year and on their site the house evaluation showed a increase from $ XXXX to $ XXXX which was a little low but good enough when my balance was only $ XXXX. So I request removal of PMI again. They told me my payments needed to be verified and my Credit again I said ok. My credit is perfect with a score of 780- to 800 from all 3 Credit Bureaus XXXX Then they stalled again. I got a letter saying my house did not meet the financial requirements which was over a 100 % to value. They then said I needed a bop or an appraisal I said I would prefer and Appraisal do not do a BOP. 2 weeks later I got an email saying a BOP would be cheaper. I said no I already told you a Appraisal. I asked how much. The rep told me {$350.00} I said ok take that payment. I was put on hold then she came back and told me {$420.00} I said oh well Ok They took the payment for {$420.00} on XX/XX/XXXX XXXX then 2 weeks went by. Then in e mail I was told It would be {$600.00}. then another week went by and now I am being told an additional {$170.00}. I have this all on my emails and the payment taken on XX/XX/2022 from my bank. This is a 2 year run around and stall to remove something that qualified from the very first request. This mortgage company is trying to take advantage of me and my Family. Loancare servicing LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to comply with FCRA 611 ( a ) ( 7 ), Method of Verification, within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

WE WANT COPIES OF THE LIS PENDENS FROM XXXX XXXX FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX XXXX XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE XXXX TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S XXXX RECORDS THE HOME WAS ABANDONED.CARRINGTON TOTALLY VIOLATED THE STAY WILLFULLY! 

.WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE BRC INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! 

According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the XXXX  Trustee XXXX XXXX XXXX citing no equity. 

Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF XXXX VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME COMMITTING SUICIDE ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX HE COMMITTED SUIDCIDE OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THEIR WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE STUPID? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY B-DAY ). I THINK THE XXXX WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, XXXX XXXX, THE XXXX JUDGE AND TRUSTEE. 

ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
Product: Debt collection

The debt collector pursuant to 15 US Code 1692a ( 6 ) has contacted my by phone and mail with profane language and also stating that I the natural person/consumer allegedly owes a debt which is a violation pursuant to 15 US Code 1692b ( 2 ). Also, violating 15 US Code 1692e ( 2 ) a the character, amount in a positive amount which can not be paid.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Child Support Enforcem / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. 

Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account.

I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that haven't been any activity since 2016 and I'm trying to fix the Inactivity 's and Wrong Information that's being reported.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to update my address since XX/XX/2019 as my address changed at that time. I have sent Equifax information to prove that my address has changed a while back but they said it is reporting accurately as my current address, and that is not correct. MY old Address XXXX XXXX XXXX, XXXX, Mississippi XXXX is not my current address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Mississippi XXXX as of XX/XX/2019 ( see postal address change verification attachment from post office ). I tried top call Equifax today, but there was a recording that said, " Thanks for calling Equifax, System is currently unavailable, sorry for the inconvenience, good bye ''. The Equifax confirmation report number is, XXXX. Also, see yellow label on letter/envelope from equifax ( address change from post office ), included with this complaint in attachments.
Product: Credit card

In XXXX of 2016 I purchased an XXXX computer at XXXX. By XXXX XXXX, the " new '' computer ceased to function. I took it to a computer shop & was advised to return it to the manufacturer. By XXXX XXXX, XXXX sent a XXXX return shipping label. The manufacturer 's paperwork states they revived it on XXXX/XXXX/16, " repllaced [ the ] motherboard '' & shipped it out on XXXX/XXXX/16. The " new '' ly repaired device did n't get to me until after the 2016 XXXX XXXX weekend. From the second week of XXXX 2016 until XXXX/XXXX/16 at least service tech calls were made to XXXX XXXX XXXX while trying to sign on to XXXX. On XXXX/XXXX/16 an XXXX XXXX XXXX Support Tech tpld me " the problem is your computer '' On XXXX, I requestd Capital One to chargeback this purchase after XXXX told me I had gone past their return deadline. On XXXX/XXXX/16 Capital One reapplied my purchase amount. On XXXX/XXXX/16, with no explanation as to why, they changed their mind. On XXXX/XXXX/16 I had to purchase another computer. Total Cost : {$1700.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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. These shortcomings, combined with the Consumer Financial Protection Bureau 's recent findings of systemic vulnerabilities and negligence, demonstrate Zelles failure to safeguard its users against fraudulent activities and repeat offenders. This lack of accountability has left me, and countless others, at risk.