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

XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breech. Please remove all negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX MARKET STCHANNELVIEW, XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$480.00} XXXX Balance : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I open a dispute with Equifax. In the dispute I requested Equifax to investigate 3 accounts that are being displayed on my credit report. The accounts in question are as follows : All accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Under federal laws and FCRA guidelines Equifax was given 30 days to verify/validate the accounts or they shouldve been removed. It has now been nearly 3 months and those accounts are still under investigation.
Product: Mortgage

My loan was recently transferred from PHH Mortgage to XXXX XXXX. In my notification e-mail from PHH, I was told that payments up to XXXX would continue to be applied to PHH. However, my automatic payment scheduled through PHH, effective XXXX, was not drafted. It took several days for my loan to activate at XXXX XXXX  and I unnecessarily accrued additional interest as I wasn't able to apply a payment during that period. I've asked XXXX XXXX  to backdate my payment to XXXX as a courtesy, but they've refused, asking that I contact PHH Mortgage for payment questions. 

I contacted PHH Mortgage, who then provided me with this explanation : " Thank you for messaging us. 

Our records show the scheduled draft date was on XX/XX/year>. However, if the draft date falls on a weekend or holiday or if a subsequent scheduled payment falls on a weekend or holiday, PHH will draft on the next available business day. The servicing of your loan was transferred to XXXX XXXX  XXXX on XX/XX/year>. Hence, the Autopay was not processed on XX/XX/year>. 

We are unable to assist you regarding the posting of your XX/XX/year> payment. We apologize for any inconvenience this matter may have caused. 

Message us if you have any questions or concerns. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 usc 1681 section 602a right to privacy 15usc 1681 section 604a Without written instructions they can't furnish a credit report 15 usc 1681 c. ( A ) ( 5 ) reporting info without knowledge of errors Go to cfpb submit complaint Improper use of credit report No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes Which antedates The report by more than seven years.

15 usc 1681 s-2 ( A ) ( 1 ) a person shall not furnish any relating to a consumer to any 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

This is in response to Lexisnexis to CFPB case num XXXX for the request of deletion bankruptcy record case num XXXX I contacted you by phone and mail you proof of identity I will also upload the proof of my phone call along with a bill and my government issue ID as you requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian keeps closing disputes with a answer that makes no since considering in there letters admit that
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} BankruptcyXXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XXXX - {$670.00} XXXX XXXX  - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX - XXXX XXXX, XXXX  XXXX  XXXX XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

As seen in this screenshot information varies from CRA to CRA According to the FCRA information must be accurate or removed.

( 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 consumers 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. 

If this information is coming from the data furnisher, why is it different?
Product: Debt collection

I get a call every day at approximately XXXX am on my work cell. I have to answer all calls on this phone. I informed them that they were contacting me at work and I demanded that they contact me only in writing by sending me a letter. The man on the phone became irritated and told me that the phone calls would not stop. I told him, that I am aware of my rights, I am clearly telling you to cease and desist all communication at work that I can not receive calls on my work phone. He told me again that he ca n't make the calls stop and they will continue, even if he sends me a letter. 

I received another call this morning from the exact same number. This is every day, multiple times a day at the exact same times.
Product: Mortgage

We took out a loan with Fifth Third Bank ( 5th3rd Bank XXXX www.53.com in XX/XX/2010. Since then we have dealt with a series of issues with the bank regarding posting our payments correctly. After years of agitation and frustration, I decided to submit this claim and write a letter to the CEO. The latest event occurred in XXXX when the bank increased our escrow without cause of an increase in insurance or property taxes. As a result, our monthly payments increased without our knowledge. We submitted our regular payment without the increase. As a result, the bank did not apply the payment, but returned a check drafted on their account. We spoke with a representative on XX/XX/XXXX who told us that the late fee that assessed due to the lateness of this payment would be reversed. On XX/XX/XXXX, the bank sent us a certified letter threatening the foreclosure on our home due to non-payment of over 2 months. As a result, the bank did not apply our XXXX or XXXX payment, but reported late payments to the credit bureaus. I immediately contacted the bank to inquire about this threatening notice, only to be told that 2 payments are being held in their escrow until the excess fee from XXXX of {$32.00} was paid. I immediately paid the fee to avoid any further delinquencies so they may apply our money that were being held hostage for a late fee, which they created in the first place. I then spoke with a representative in their escrow department who told me that the payments were increased due to lack of insurance. She then had to transfer me to the insurance department for specific details after I mentioned that at no time was our home uninsured. I then spoke with a representative from the insurance department who mentioned that she has no record of any lapse in our insurance. So 90 minutes later we have a 60-day delinquency on our credit and obligation to pay a fee so our money could be applied to the mortgage to avoid foreclosure proceedings. This is just one of the many unbearable practices by Fifth Third Bank.
Product: Credit card or prepaid card

USAA DECIEVES CONSUMERS WITH LISTED CREDITS Adjustment Purchases ( NOT INCLUDED IN THE TOTAL CREDITS LINE UNDERNEATH ALL THOSE LISTED ) See attatched USAA statements XX/XX/XXXX XX/XX/XXXX. Under Transactions NONE OF THE ADJUSTMENT PURCHASES CREDITS LISTED ** MADE TO APPEAR INCLUDED ARE INCLUDED IN THE TOTAL AT BOTTOM OF ALL THOSE LISTED. ** Kindly Note the cute little minus sign ( - ) DECEPTIVELY MAKING TRUTH IN LENDING STATEMENTS APPEAR LISTED ARE TOTALLED. ** THEY ARE NOT ** Note XXXX OTHER CREDITS TOTAL {$2600.00} ** ONLY {$910.00} are on TOTAL LINE OF CREDITS?? MISSING CREDITS??? 
ALL USAA CREDITS ARE INTERNAL HIDDEN FROM CONSUMERS. XXXX PROFOUND DECEPTION IN TRUTH IN LENDING STATEMENTS. WHY ARE CREDITS LISTED ABOVE THE TOTAL CREDIT LINE ** NOT INCLUDED IN THE TOTAL??? TOTAL CREDITS THIS PERIOD IS TOTAL.
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 XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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

Debt not accurately verified. They have not produced a contract with my signature.
Product: Debt collection

Discover Bank account closed and showed a balance of {$1000.00} that was payed in full on XX/XX/2024. Ive attached a letter to remove the item off of my credit report. 

XXXX  XXXX
Product: Student loan

I am currently on the PAYE ( Pay as you Earn ) Plan through FedLoan Servicing ( PHEAA ). I was emailed information to recertify my plan and began the steps to do that. A few days after submitting my materials, I received an email that my application was incomplete ( received email on XXXX ). That same day I received an email that I had a direct debit payment of almost twice my normal payment scheduled to come out on XXXX. I immediately went to the website to see what was going on. On my main page it was listed that my payment due on XXXX was {$0.00}, but that a direct debit for {$180.00} was scheduled to be taken out. I had never scheduled more than {$100.00}. As I was on the website, I kept running into errors and it kept booting me off. I went through my paperless inbox, where I received yet again DIFFERENT information ( that a payment of {$160.00} would be taken out on XXXX/XXXX/17 ). I called up the customer service hotline and spoke with a representative that same day because I was getting frustrated and worried about the security of my information on their website. The customer service representative tried to be helpful and recommended we suspend the next direct debit, even though she believed it was just a technical glitch on the website and that money would not be withdrawn from my account. She told me that they were having a lot of technical issues on their website and did n't know what else to do, she was sorry for the inconvenience, etc, but that they had a lot of problems. She also reassured me that my application for recertification was complete. At the end of our conversation she assured me I would receive an email specifying that my direct debit suspension had gone through within 2 days, and another email that my recertification was processed before the XXXX. Today ( XXXX ) I had still not received confirmation and so I went onto the website yet again. This time, I was slated to have a {$100.00} direct debit on XXXX. Yet again, while trying to navigate their portal, I encountered several errors and was booted 4 times within 15 minutes. I was finally able to cancel the direct debit through the site and received an email seconds later confirming.
Product: Checking or savings account

this IS MY ADDITIONAL COMMENT TO THE LAST BBPV COMPASS RESPONSE. 
FIRST, COMPASS PROVIDED ME WITH A COPY OF THE XXXX XXXX XXXX DEP BOX CONTENTS IN WHICH COMPASS ITSELF DESCRIBED THE COMPLETE CONTENTS OF THE XXXX XXXX XXXX DEP BOX WHICH WAS OPENED BY XXXX XXXX XXXX NOT IN MY PRESENCE. COMPASS PROVIDES A LIST OF 13 ARTIFACTS THAT WERE IN THE BOX. THERE WAS NO CURRENCY LISTED AS BEING PART OF THE DEPOSIT BOX INVENTORY. COMPASS ORIGINALLY SAID THAT THEY SENT THE CONTENTS OF THEIR DEP BOX INVENTORY TO TEXAS UNCLAIMED PROPERTY BUT NEXT THEY SAID THEY SENT ONLY XXXX DOLLARS OF NON-EXISTENT CURRENCY AND RETAINED THE 13 ARTIFACTS IN THE DEP BOX LIST FOR THEIR OWN USE AND AND AT PRESENT CONTINUE TO HOLD THE 13 ITEMS IN THEIR POSSESSION. I AM ENTITLED TO HAVE POSSESSION OF ALL ITEMS IN THE CRACKED OPEN DEP BOX. IT IS THEREFORE REQUESTED THAT COMPASS SEND ME IMMEDIATELY BY CERTIFIED MAIL THE THIRTEEN ARTIFACTS LISTED IN THE DEP BOX INVENTORY WITH A NOTARIZED STATEMENT THAT THE MATERIAL THAT THEY ARE PROVIDING IS ALL THE MATERIAL RECEIVED FROM THE CRACKED OPEN DEPOSIT BOX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX  XXXX/XXXX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.
Product: Credit reporting or other personal consumer reports

2 Bankruptcy removals due to dismissal of no execution or validation.
Product: Credit reporting or other personal consumer reports

Subjet : Problem with Company 's Reinvestigation XXXX. 
To whom it may concern, I told Transunion Credit Bureau to reinvestigate the disputed accounts Transunion said they have verified the accounts as accurate from XX/XX/2024. I have checked my credit report on XX/XX/2024. Everything is not complete and accurate on my credit report. I did not know how Transunion did to verify the disputed accounts as complete and accurate. I did not receive any documentation from Transunion as requested. I don't know what Transunion did or who they talked to during the reinvestigation process. I am required by law to receive all documents as requested. I noticed some things on my credit report are not complete and accurate. I asked Transunion to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Transunion did not fix or delete these accounts, I called Transunion to send me a full and complete file disclosure of the reinvestigation process. How did they communicate with these debt collectors, what was in the results of the reinvestigation? The name of the company? 
I was told by a Representative of Transunion they will not and can not provide me with the results of the reinvestigation. I said according to the FCRA law, I can request a full copy of the reinvestigation after that conversation, I was hung up on. This is a blatant violation of my rights under the FCRA law. 15 USC 1681 states I have a right to privacy. 15 USC 1681 Section 604 A, Section 2, a consumer reporting agency can not furnish a account without my written instructions. I have sent in all the proper documentations Transunion has asked for to remove the disputed accounts. All the FTC reports, police reports and the State Attorney General reports and Transunion has lied to me. 
Sincerely, XXXX XXXX
Product: Student loan

I am a federal XXXX loan borrower who should qualify for sXXXX  loan forgiveness as a XXXX XXXXl employee. I have worked in XXXX XXXX since XXXX. I have been told repeatedly by Mohela that I have enough qualifying payment months they just aren't showing up yet. I keep being asked to wait 90 days between calls to Mohela for my account to update. The account never updates and when I call I get told they are waiting for information to be reviewed and updated and to call back. Now I am against the wall that I am supposed to go into repayment on loans that should be discharged. I was told I would receive an administrative forbearance because it was not my fault that I am waiting for them to review and update, but today am being told that is not the case and they can not do that for me. I am set to go into repayment in less than a month.
Product: Credit reporting or other personal consumer reports

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file 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