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

15 U.S.C. 1681-1681 The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

This law has been broken and violated and the inaccurate information from XXXX XXXXXXXX XXXX XXXX account # ending in XXXX and XXXX account # ending in XXXX have yet to be properly invested, updated nor deleted. 
All of 2022 certified mail has been sent to this XXXX XXXX company and they signed for it but can never find it or furnish it upon any of my requests as a consumer. 
Id like all information of payments be updated and corrected on these two accounts across all 3 credit reporting companies, XXXX, XXXX, and TransUnion ....
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX   and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX box XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX
Product: Student loan

I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Just found out tonight that I have a social security variation on my XXXX credit file. I called XXXX and asked for the name of the creditor supplying the social security variation. They told me is was a debt collection company called Ad Astra Recovery. Id like to state I have the right to have correct and accurate information on all of my credit files. The social security number Ad Astra Recovery is using under my name puts me at risk for having my files mixed with this other person. They are blatantly ignoring the FCRA law. This social security number does not identity me on this account. I demand for Ad Astra Recovery to correctly update my personal identification number with all three credit bureaus or delete the account. The social security number Ad Astra Recovery is using in connection with this account does not identify me. They are reporting another individuals social security number under my name with all the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I am once again requesting a detailed explanation of all the steps your agency undertook to ensure the 100 % accuracy of the reported items, as mandated by 15 U.S.C. 1681i ( 7 ) - Method of verification - Description of reinvestigation procedure. According to this section, a consumer reporting agency is required to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. This description should be provided to the consumer by the agency within 15 days after receiving a request from the consumer for that information. I expect full compliance with this request.
Product: Debt collection

Either in XX/XX/XXXX or XX/XX/2015 I went to the emergency room at XXXX Hospital because of XXXX XXXX I was treated awfully they accused me of being a XXXX XXXX they took a XXXX and then I had a social worker come in to try to sign me up for XXXX XXXX a state health insurance they were unsuccessful and made a comment that XXXX XXXX   don't need insurance anyway about point I gather my belongings and left the hospital I was never discharged not that I have any procedures done during that visit I don't feel like I should be responsible for this bill considering the fact that I didn't receive any services and was completely disrespected and humiliated and it was the most awful experience ever
Product: Credit card

XX/XX/XXXX - Inquired why my Wells Fargo rewards can not be transferred to my XXXX XXXX mileage account. Spent more than 1 hour being transferred to different departments and unable to resolve my issue. Eventually got someone to escalate my case within Rewards Services. 
XX/XX/XXXX - Obtained a call from Rewards services and say that my name is " XXXX ( first ) XXXX ( middle ) XXXX ( last ) '' which is totally difference from my credit card name of " XXXX ( first ) XXXX ( last ) ''. Then transferred me to Credit Card services to get them to change my name for the Rewards account, Then transferred me to everyday banking to change my name for the Rewards account. Spent more than 2 hours and this is not resolved. The specialist cut my call while I was on the line. 

I still do not have a resolution to my case and they do not have processes internally to resolve issues across departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a mortgage through  XXXX .  XXXX  purchased it. In  XXXX , I made a payment via the phone, like I had every other month. A few weeks later, I realized the amount had not been deducted from my bank account. I called to find out why. They did not have record of my payment. I made  two p ayments at that time.     I now have a 30 day late payment on my credit report, and it made m y credit score fa ll by  XXXX  points.     That late payment is literally the only late payment in the entire history of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # 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.

Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is
Product: Checking or savings account

Money Network changed their fee terms without informing me. Prior to this ( and I have all the statements and fee structure form ), an account in good standing was charged no fees unless no activity occurred in six months. This changed without any notice in XX/XX/XXXX. They now charge a fee of {$5.00} which I have now paid 6 of them ( {$30.00} ) unwittingly. 

I have sent the complaint to Money Network and I reached Summer on XX/XX/XXXX at XXXX XXXX. They said that the fees could not be refunded as it was my fault that I did not pay attention to the notice. I certainly did not get a revised notice and still have the old one on my desk. I am sending a picture of the relevant page and that as long as I had activity within six months, no fee would be charged. I also send my statements proving that I was charged.
Product: Credit card or prepaid card

I have been disputing a charge on my XXXX XXXX Rewards credit card. I first reported the charge in XX/XX/2018. I have sent several correspondences and have called the credit card company on several occasions. Today they are telling me that I am responsible for the charge because it is out of the allotted time to file a dispute. The credit card has reversed the provisional credit and have changed me with a late fee on that of that.
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to be mixed with someone else with a lot of bad arrears and county court judgments and an address linked to my account that isnt mine its resulted in them obtaining credit cards in my name that have been used to rack up large debts that Im now finding out about
Product: Debt collection

I started receiving calls from this company stating they were " Columbia debt recovery '' I asked over the phone around XX/XX/XXXXXXXX XXXX what debt did I owe to them and to please send me verification of it. The company stopped responding. I then contacted the three credit bureaus who DID NOT perform an actual investigation. Then in early XXXX I filed a complaint with all 3 bureaus that the company had two differnt amounts on my credit profile under their LLC and their DBA. Not one credit agency removed this from my report for inaccurate information. I also advised the three bureaus that the associated address was not my address as well as the debt. Again I contated this company XX/XX/XXXX requesting a copy of a contract between myself and the now DBA '' Genesis Credit Management '' The company sent some documunets that were not what was requested. It was sent via e-mail. I responded and asked AGAIN for the contract between myself and the company, they did not reply. I am requesting that this alleged debt be removed from my credit profile immediately due to no agreement with this ompanu, multiple violations, and inaccuracties. 
1. FDCPA : Misleading Representation ( 15 U.S.C. 1692e ) Issue : The creditor keeps changing the name of their agency.

Violation : Under the FDCPA, it is illegal for debt collectors to use any false, deceptive, or misleading representation. If they are misrepresenting their identity, this can be considered a violation of 1692e. 
Argument : Changing the name of the debt collection agency confuses consumers and constitutes a deceptive practice meant to obscure their identity and collection efforts. 
2.FDCPA : Unfair or Unconscionable Practices ( 15 U.S.C. 1692f ) Issue : They are increasing the debt by charging additional interest rates.

Violation : If the debt collector is adding unauthorized interest, fees, or other charges not agreed to in the original contract, this can be a violation of 1692f, which prohibits unfair or unconscionable practices.

Argument : The legitimacy of any additional fees or interest charges that were not part of the original alleged lease agreement.

3.FDCPA : Validation of Debts ( 15 U.S.C. 1692g ) Issue : Refusing to remove the debt despite my dispute and non-residency.

Violation : Under 1692g, debt collectors are required to provide you with validation of the debt within 30 days after your request. If you dispute the debt, they must cease collection efforts until they provide verification.

Argument : I demand a debt validation and argue that they failed to provide proper documentation proving I owe the debt and that the amounts charged are accurate.NO RESPONSE.

4.FCRA : Accuracy of Credit Reporting ( 15 U.S.C. 1681s-2 ) Issue : The creditor continues to report inaccurate information on my credit report.

Violation : Under 1681s-2, creditors and debt collectors must report accurate information. If you dispute the debt and they verify inaccurate or outdated information, they are in violation of the FCRA.

Argument : The debt should be removed since it is not valid or has been inflated with unfair charges.
Product: Checking or savings account

Reference : FDIC Case # XXXX Reference : CapitalOne COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

XX/XX/XXXX Opened XXXX mo CD with $ XXXX 4.1 % with annual distribution of interest by XXXX XXXX XXXX bank of {$8300.00} - totaling {$16000.00} at maturation XX/XX/XXXX. 

On XX/XX/XXXX funds did not transfer into bank account. Called CapitalOne, spoke with XXXX, could not be helpful because of weekend and was unable to provide information about CD amounts and interest- said it should fund on XXXX! XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX still no electronic transfer. Called CapitalOne spoke with XXXX. She quoted the accrued interest for electronic transfer @ {$6100.00}!! Inaccurate!! She stated that the discrepancy in interest amount might be due to the fact that the interest was being transferred to another institution instead of re-invested at Capital One. If true, this WAS NEVER Disclosed when XXXX was opened in XXXX. XXXX stated that the electronic transfer would occur at midnight, tonight - XX/XX/XXXX. 

Capital One is committing fraud- has not fulfilled commitment to make electronic transfer of accrued interest {$8300.00} on XX/XX/XXXX, as stated in XXXX with representative when XXXX was opened. AND Capital One is withholding funds, collecting interest on my CD and customer service XXXX XXXX XXXX XXXX are unable to provide pertinent information because it is unavailable to them by CapitalOne. Filed complaint with FDIC on XX/XX/XXXX - which has been forwarded to XXXX XXXX Comptroller of the Currency. 

On XX/XX/XXXX, XXXX at CapitalOne initiated COMPLAINT # XXXX with the Bank XXXX XXXX XXXX. 

On XX/XX/XXXX - Funds still not transferred as promised, yesterday. Called Capital One and spoke XXXX, who transferred complaint to XXXX. XXXX stated " escalation was in process '' taking XXXX days. Advised her of FDIC complaint # and complained that the Capitol One website displays inaccurate information about the actual XXXX accrued interest. Website says {$6100.00} but should be {$8300.00} annually XXXX interest accrued during delay of transfer from XX/XX/XXXX and another display indicated interest amount of {$8100.00} which is a shortage of {$160.00}!!!! This is inaccurate and misleading to anyone not aware of the discrepancy or willing to take the time and effort to investigate. She indicated transfer should occur tomorrow on XX/XX/XXXX. 

Update : On XXXX {$8100.00} transferred into bank account. The shortage is {$160.00} and likely will be shorted again at term XX/XX/XXXX. That would total {$330.00}. To date, XX/XX/XXXX, XXXX, Capital One has NOT responded to my complaint or transferred the {$160.00} for which I'm requesting interest. This is XXXX. 

Thank you for your efforts in addressing this complaint.
Product: Mortgage

I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made I can not make a principal only payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asked that Carrington Mortgage re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact Carrington Mortgage escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
Product: Credit card

Chase bank had a {$200.00} sign up bonus in XXXX for the freedom unlimited credit card which you would receive after spending {$500.00} in the first 3 months, which i did. Its been 6 months now and still havent received it. Called multiple reps and they wouldnt honor it even after demonstrating them the screenshots i have in my email of the offer. I sent a direct message with the screenshots of the promotion when I signed up for it and they still wouldnt honor it. Terrible business. Disappointed in Chase, glad i have XXXX now and will be switching banks and closing my accounts there. Filed a claim and a complaint with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX