23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Below is the information I emailed to PenFed on XX/XX/2021 and never received an acknowledgement, let alone a response : I refinanced my old PenFed HELOC ( Account # XXXX ) that had a limit of {$43000.00} and an outstanding balance of {$41000.00} with a new HELOC at PenFed ( Account # XXXX ) that has a limit of {$110000.00} and an outstanding balance of {$42000.00} as of today. My closing was on Friday, XX/XX/2021 with XXXX XXXX and I was told that the funds would be drawn within 3-5 business days to pay off the old HELOC so I would not have to make any more payments on it. 

Here is where the problem lies : The old HELOC is STILL OPEN showing a principal loan balance of {$41000.00} with a LATE PAYMENT of {$580.00} that was due on XX/XX/2021 ( now 24 days OVERDUE ). Given that YOUR COLLECTION DIVISION called me, I made a payment in the amount of {$580.00} TODAY to avoid getting a negative rating on my credit report due to lack of payment/delinquency. 

FUNDS IN THE AMOUNT OF {$42000.00} WERE WITHDRAWN FROM THE NEW HELOC ON XX/XX/2021 - WHERE IS THAT MONEY TODAY? 

Additional questions : - Why is the old HELOC still not paid off? 
- Why is there a late payment on the old HELOC due after the expected closing date? 
- Why is the principal amount on the new HELOC higher than the amount on the old HELOC? Was there a fee that I was not aware of? Was there a penalty assessed? Should I expect a check in the amount of the difference? 
- Why is the payment due on XX/XX/2021 only {$100.00}? 
- I have received 2 checkbooks in the mail, 1 for the old HELOC account and 1 for the new HELOC account- why is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Do NOT, I repeat, DO NOT! Get an auto loan through santander. I sent in a payoff check to pay off my loan in full when I refinanced with XXXX XXXX because I am a veteran and get a better rate with them, and was hit with a late payment. I called to rectify the situation and sent in the promissory note from XXXX XXXX  to show that the check was sent in time and shouldn't have resulted in a late payment, but the still dinged my credit report with a late payment. They do not work with their customers, they do not operate ethically, they were just sued in XXXX for credit reporting violations in connection to their auto loans but the Consumer Financial Protection Bureau. They were also sued in XXXX for illegal overdraft practices. They take any opportunity they can to prey on their consumers. They are the prime example of a predatory company.
Product: Credit reporting or other personal consumer reports

Based on the incident in CFPB complaint XXXX, I believe that XXXX violated the Fair Credit Reporting Act ( FCRA ) in their XXXX and XXXX reports to XXXX XXXX XXXX 

Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key provisions include : Right to Access Information : Consumers have the right to know what is in their credit report. This includes the right to request and obtain all the information about them in the files of a consumer reporting agency. 
Notification of Adverse Actions : If information in a credit report is used against a consumer, such as denying credit or taking other adverse actions, the consumer must be notified and provided with the name, address, and phone number of the agency that provided the information. 
Dispute Inaccurate Information : Consumers have the right to dispute incomplete or inaccurate information. The credit reporting agency must investigate unless the dispute is frivolous.

California Law : California Consumer Credit Reporting Agencies Act ( CCRAA ) The California Consumer Credit Reporting Agencies Act ( CCRAA ) provides additional protections for California residents : Accuracy and Fairness : The CCRAA mandates that credit reporting agencies ensure the accuracy and fairness of the information they collect and report.

Consumer Rights : Consumers have the right to access their credit reports and dispute any inaccuracies. The CCRAA requires credit reporting agencies to provide consumers with access to their credit reports at least once annually, free of charge. 
Confidentiality : The CCRAA emphasizes the confidentiality of consumer data and requires credit agencies to take reasonable steps to protect it from unauthorized access. 

Violation of FCRA and CCRAA : XXXX 's failure to provide me with access to your account information and the inability to verify balances and payments may constitute a violation of both the FCRA and CCRAA. These laws require credit reporting agencies and creditors to ensure the accuracy and accessibility of consumer information. 
Failure to Notify : If XXXX has reported negative information without providing me with the necessary details to verify and dispute the information, this may also be a violation of my rights under the FCRA and CCRAA.
Product: Debt collection

Midland credit management Saying I owe them XXXX $ If they cant send me proof of the documents Im requesting. They need to remove this account from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. 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 account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card ( the card was previously at {$0.00} ) from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with XXXX and Equifax 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX XXXXemoved it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With XXXX and Equifax being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.
Product: Mortgage

As of XX/XX/2021 we send a loan modification to Planet Home Lending to request a resolution to avoid a foreclosure but after being in review we had a denial and during the reviewed they never placed my foreclosure on hold during the reviewed. They send me a Denial Letter dated on and we called to find out that my house was going to go to Foreclosure in 2 days. I felt I was going to get a XXXX, I am an XXXX man and XXXX and this really hit me very hard. I am paying my XXXX Mortgage with XXXX Mortgage and I am in good standard. I am now getting foreclose on my XXXX mortgage which is Planet Home Lending and I am very scare of what this financial institution is trying to do with me only they want to take my home away. I had to hire an Attorney to stopped my foreclosure and see what he can do to get me out of this problem. But I need your help to get this company to give me a resolution or to give me more time to get a loan modification..
Product: Checking or savings account

I am writing to for a complaint against navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds When transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

COLLECTION RECEIVABLES ARE IN VIOLATION OF 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( 2 ) ( A ) ( i ). THEY HAVE ALSO VIOLATED MY HIPPA RIGHTS BY ILLEGALLY FURNISHING MY REPORT TO THE 3 CREDIT BUREAUS WITHOUT MY PERMISSION..THESE VIOLATIONS ARE DAMAGING MY UNLIMITED CONSUMER CREDIT AND DEMAND IMMEDIATE DELETION OF THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  / XXXX {$0.00} XXXX -Balance {$2000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to the credit bureaus disputing several unauthorized hard inquiries on my credit report. Despite my efforts, all of the protested inquiries are still being reported on my credit file. These unauthorized inquiries are affecting my credit score and overall financial health. 

In my letter, I explicitly requested the removal of these inquiries, providing detailed information and supporting documentation to substantiate my claims. I have attached a portion of my credit report highlighting the hard inquiries in question, along with a copy of my letter dated XX/XX/year>. 

The continued presence of these unauthorized inquiries on my credit report indicates a failure by the credit bureaus to properly investigate and address my dispute. This negligence has resulted in ongoing harm to my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 EXPERIAN 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 reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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, 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 an account without my written instructions.
Product: Mortgage

I was cheated out of my home while I was in bankruptcy. Wells Fargo Home Mortgage defrauded and bullied me in to foreclosure.
Product: Debt collection

I am filing a formal complaint against Midland Credit Management ( MCM ) for engaging in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

MCM has initiated a lawsuit against me regarding an alleged debt, despite the fact that I was enrolled in a debt resolution program that assured me this account was disputed and no longer active. MCM has failed to provide proper validation of the debt, as required under 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease collection efforts until verification of the debt has been provided. 

Additionally, I have disputed this account with XXXX, yet MCM has continued to furnish inaccurate information to the credit bureaus without conducting a reasonable investigation, in violation of 15 U.S.C. 1681s-2 ( b ). The CFPB has previously taken action against similar violations ( see CFPB enforcement action XXXX XXXX. XXXX ), reinforcing that creditors must conduct thorough investigations and report only verified, accurate information. 

XXXX 's actions constitute unfair and deceptive practices under the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), by attempting to collect a debt that has not been properly verified and by misrepresenting the legal status of the account. These practices cause significant harm to consumers by damaging credit reports, creating undue financial distress, and violating federal protections. 

I request that the CFPB investigate MCMs collection practices, ensure compliance with federal law, and require MCM to immediately withdraw the lawsuit against me due to their failure to properly validate the debt. Furthermore, I request that this account be removed from my credit report and that MCM cease all collection efforts related to this disputed debt. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting

The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says XXXX needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year, I have received two notifications from large financial institutions, XXXX and Marcus : by Goldman Sachs, that they were unable to approve my loan applications because my credit information had been blocked by the reporting companies, XXXX, XXXX, XXXX, etc. Thank goodness for that! I did not request any loans, and am very happy that my information is frozen. I notified Marcus who said the request had come through XXXX. I called XXXX and they had no information that a loan had been requested through them, and suggested that it may have been initiated through Marcus. Standard passing of the proverbial buck. I understand that this is a risk in our banking system, and thankfully there are remedies such as credit freeze. I just hope the hackers don't break through the security.
Product: Debt collection

People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX Medical XXXX Balance XXXX {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX NC ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : INCORRECT NAME SPELLING ON CREDIT REPORT Dear Sir/Madam , I am writing to dispute an incorrect spelling of my name on my credit report. I have attempted to get this resolved by contact your office however, the problem still exist. My correct name is XXXX XXXX XXXX, XXXX, but it you currently have several incorrect variations listed on my profile which is hindering me from proceeding with purchasing a home. This discrepancy has lead to a lot confusion Listed below are the entries of which I have never been known by and thus, I am asking that you removed them immediately and update my profile to reflect the correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am challenging the accuracy of this information and request that it be investigated.

I am enclosing a copy of my GEORGIA state issued drivers license to verify my correct name. Please, investigate this matter promptly and correct the spelling of my name on my credit report.

Moreover, I request that you provide me with a written confirmation of this correction once it has been made.

Please send a confirmation that you have received my letter and inform me about the results of your investigation. 
Thank you for your attention to this matter.