23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Mortgage

I filed a complaint with the CFPB on XX/XX/XXXX ( COMPLAINT NUMBER XXXX ). This complaint was for missing money orders that my company, loancare, took away from my account. My account was current until XX/XX/XXXX payment. I paid via check, and my check bounced four times. It was done bouncing on XX/XX/XXXX. The account shouldve been back dated to my XXXX payment since thats the month I was paying for when my check bounced. After all the bounces, my account back dated to XX/XX/XXXX. You can see this on the explanation loan care provided from the prior complaint. This is not correct. I paid via money orders, that should not have been taken away. I told loan care this, and they stated provide copies front and back of the money orders. I did this multiple times, and they stated they did not receive them. After I filed this complaint, loan care came back with documentation explaining that my account was back dated, but they did not explain why it was back dated to XX/XX/XXXX. It also states that my account was current as well prior to the bounces. It was contradicting itself in the letter. As you can see in the attached documents, it blatantly says it got back dated all the way to XX/XX/XXXX. But since loan care responded, CFPB closed the complaint. It was not taken care of, nor did my question get answered. Where did the money orders go, and why did it get back dated to XX/XX/XXXX? They were deposited by loan care as seen on the back of the money orders, but taken away from my account. Is loan care stealing this money and not applying it? I called loancare to discuss today. I spoke with XXXX who was a supervisor, and she said she actually does see the front and back of the money order on XX/XX/XXXX and my account should be corrected! Go figure! The ticket number where she found this in was XXXX. She said she would fix, but all the sudden she said she couldnt because I filed a formal complaint with the CFPB. She was no longer legally allowed to talk to me and CFPB had to handle it. I told her multiple times, CFPB closed the complaint. Loan care stated the complaint was still open on their end, so CFPB had to get ahold of them to fix. Can someone fix this? I am missing almost XXXX on my account!
Product: Mortgage

Our loan service provider was switched to XXXX. I was informed in XXXX that our XX/XX/scrub>XXXX XXXX  taxes were past due. I reached out to PenFed in XXXX and they assured me that they would take care of it. In XXXX a tax lien was sold against the property. The total amount due is far more than we thought we would be paying and I don't know how to proceed. I've been told that the tax department at PenFed does not have any way for me to talk to them. I feel like I am losing my property because my mortgage loan servicer will not pay my taxes.
Product: Credit card or prepaid card

Discover failed to close my account at requested, and resulted in additional charges and even late fees. 

On XX/XX/XXXX, I made a call to Discover customer support to request to close my account, because I was leaving US. They promised to do so. 

Recently ( XX/XX/XXXX ), I received an email saying that I owe Discover {$310.00}. I didn't think this was possible, since I have requested to close my account more than a year ago. So I logged into to my account, found out that there were two auto-renewal services that charged me in the beginning of XXXX. But because I was completely unaware of this, the debt piled up and Discover kept charging me late fees ever since.

Had Discover closed my account at my request a year back, none of these charges should have happened. It was Discover that failed my request, yet I had to pay for their mistake, and they even benefited from this by charging me late fees.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XX/XX/XXXXXXXX ( Original Creditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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. 

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 has violated my rights. Or a list of 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 or other personal consumer reports

Good day, the transactions on these accounts and their respective charges are all fraudulent to which I never benefitted from. I am a victim of identity theft, I have reported this to the federal trade commission but they are not removed from my report which is extremely frustrating, this has negatively impacted my life and my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXXXXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account Number:XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor. 
Verify the accuracy of the reported information with Creditor and any other relevant sources. 
Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Company offered a settlement for credit card, Haven't heard from them since then
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX XXXX XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several ( 14 ) fraudulent hard inquiries I asked equifax to delete. They did not and stated they were statement of fact and would remain. I submitted a request for information on who was spoken to and asked for a copy of my authorization to have done, since I never authorized. I then went to the sheriffs office in my town and filed a fraud report and submitted to equifax, they still did not delete. I filed a small claims court case against equifax on XX/XX/XXXX. My court date is in XX/XX/XXXX. 
Im calling equifax and they say they dont have a department to arbitrate this, even though the court asked me to arbitrate with them. They make it very difficult to settle this when they are wrong and are negatively impacting y credit file. 
I want equifax to delete all my hard inquiries immediately. Depending on how quickly they do this will determine wether I drop my small claims court case.
Product: Debt collection

Went to XXXX and XXXX XXXX of Florida for some XXXX. After waiting almost a month for them they proved to be faulty, being very uncomfortable and causing me pain. I returned them to the office that I visited in XXXX and made them aware of the situation. They promised to fix it and let me know when they are ready. I made the payments requested of me and my insurance was billed. I then lost confidence in them since they took so long on both occasions and also the fact that they did not work for me the XXXX time, and especially since they hurt my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.
Product: Student loan

I sent in my IBR annual recertification application with Navient several months ago. A couple of months ago I got a call saying my loan was overdue, because it turns out they had not processed my application. Eventually, after talking to multiple Navient representatives on the phone and hearing several excuses as to why my application had not yet been approved, I had someone tell me that my application had been denied because it lacked a signature, but upon reviewing my application admitted my signature was there, apologized for their error and assured me that my application would be approved, as I had all the necessary documentation I needed. 

Navient still has not approved and is seeming to refuse to process my application. Their delay is increasing my student loan amount and having other nontrivial financial impacts. I do not know how it is ethical or legal for this company to engage in lending practices that involve delaying processing, either through bad faith or incompetence, to increase their profit and harm customers. Again, it has been many months and they are still not acting after repeated requests. 

This is not the first year this has happened. This seems to be a regular Navient business practice.
Product: Credit reporting or other personal consumer reports

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

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

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX BANK NA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

Spring Oaks Capital sent the attached letter which stated that if I failed to pay, they will submit a negative rating on my credit report. I have no knowledge of the referenced account and they are threatening to damage my credit over it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I loaded {$500.00} Cash at a local XXXX. Like I always do every month. To make the same transactions as I do every month. Electric, water, internet and XXXX subscription. 
At XXXX XXXX. ON XX/XX/XXXX I started relieving fraudulent charges unauthorized on my account. 
{$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$9.00} XXXX {$9.00} XXXX These transactions took all the cash in the account Then. I started receiving there is not enough money in your account messages. 
I woke up around XXXX XXXX canceled the card reported transactions. Called paypal at XXXX XXXX. Ordered new card. Transactions are still trying to be ran on that card as of XX/XX/XXXX. 
For $ XXXX XXXX XXXX {$9.00} XXXX XXXX {$24.00} XXXX XX/XX/XXXX {$0.00} XXXX {$0.00} XXXX & XXXX XX/XX/XXXX {$9.00} XXXX XXXX XX/XX/XXXX {$45.00} XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX {$39.00} XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$81.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$9.00} XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX  XX/XX/XXXX It goes on and on for about XXXX fraudulent attempts to still run the card. 
Paypal will not help me.. they gave me a provisional credit of like {$40.00} but now they just took that back so I'm out EVEN MORE MONEY. This is truly fraudulent transactions I DID NOT MAKE THESE charges and I'm out {$240.00} plus the {$40.00} provisional credit they gave me as " my money back '' but now somehow find that these are " authorized charges '' and debited my account {$40.00} so now we are upwards of {$300.00} at loss here and paypal will not help me. I do not have a XXXX account and XXXX will not help me either. They say they can not track the payments and since I don't have an account there's nothing they can do. Paypal has took my cash money I loaded and now has me {$29.00} in the negative saying my charges are authorized. I don't know what to do I don't have this type of money. This is going to effect me and how I pay my bills because now I will not have a paypal account. And I'm out my Electric bill money for the month of XXXX that they are not giving me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves the massive Equifax Security breach. I froze my Equifax report and had no charge for doing so. However, XXXX and XXXX demand fees before freezing my credit report. 
Since this breach was caused by Equifax, I do n't believe that I should have to pay for the XXXX and XXXX freezes.
Product: Credit reporting

I am submitting this complaint on behalf of the aggravation I have been going through with the XXXX credit reporting agencies. I had XXXX accounts opened up fraudulantly in my name. XXXX and XXXX. I finally received confirmation today with XXXX that it was founded that the XXXX XXXX acct and XXXX were fraudulant and removed from my report. However I just spent over an hour on the phone with equifax explaining to them that these accounts are fraudulant and I want to re-dispute them again for the 8th time. All I got was the run around and told that they are waiting to hear back from the company. I have disputed this for over 3 months now and if XXXX responded to XXXX it was indeed fraudulant and to be removed from my report then XXXX and equifax should have received the same notification. I got nowhere on the phone today this is very fustrating as it affecting me in obtaining credit and affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

XX/XX/2021 Capital One closed my account, after 21 years of business, for NO reason.
Product: Debt collection

A Medical Provider Patient First is attempting " Balance Billing '' for a Covid test XX/XX/2020... .The Bill has been sent to a collection agency. It is my understanding that Covid tests at that time were free. It is also my understanding that per the provider 's contract with XXXX they will accept the approved amount as full payment. For reference the " No Surprise Bill '' was not in effect at the date, however even at the date of service per their contract with XXXX a provider had to accept the reimbursement from XXXX as full payment... .I have XXXX XXXX that I owe {$0.00} for this service. The Credit Collection Agency is : Receivables Management Systems P.O. XXXX XXXX XXXX Va XXXX
Product: Debt collection

I do not know who this debt collector is. I never done any business with this company that goes by FMA Alliance Ltd. How did this company get my information? How did this company I have no contract with get my phone number and has been harassing me everyday with repeated phone calls, As a federally protected consumer I have the right contact a debt collector to grant them the right to contact me. I never gave this company consent to contact me. I never gave this debt collector consent to contact me. I have received abusive letters by mail. Why is this company asking me to pay cash money to them when I don't have a contract? 


I'm alleging that i don't owe this allege debt this company. I don't owe any debt at all.