23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

payments are reflected late in the amortization rate, I have the application and are not reflected
Product: Debt collection

I received a letter from IC systems threating to damage my credit if I do not pay an alleged debt owed. I do not nor did I ever have any contractual obligations with IC systems regarding any services rendered nor did they ever extend to me any loans. IC systems is in violation of the FDCPA under 15 usc 1692 * communicating with me without my approval or consent * threatened to advertise debt to coerce payment *harassment, abuse and damage to my reputation IC systems claimed to be collecting for XXXX XXXX XXXX which is also a violation because I did not authorize XXXX  to give my personal information to any third party debt collection agency because I am the original creditor. Both XXXX and IC systems are in violation of the FDCPA. 
I have attached a copy of the letter with the violations and threats made to me.
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company rode off closed my account without my consent without my acknowledgment. Without my agreement, no contact informing me of the actions taking part on my account. 
I didn't consent nor did I receive any articles of notification. No a phone call letter in the mail. When contacting them they said by law they don't need my permission to sell my account to a Third party And when I asked for information about it. They said the account was closed. And they can't give me any more information. Due to the fact that the account was close. WORLD FINANCE CORPORATIO I have disputed this many times with all three credit Bureaus. On one instance I had gotten I had made it dispute to have 1 of the negative items removed from my credit report because of the fact it was written off and closed without my consent written agreement. Or did I approve it? They then took it off of my report and 3 days later. They put it back on my report. I have to call them and get upset with them. I don't understand why they took that credit report off. Which is exactly the same in the matter that they both were written off and without my consent. Why is one of them taking off and not the other? That doesn't make sense when they're both written off and closed. They both should have been taken off due to the fact that if they sold my account, that means they forged my signature and that is against the law. Without me, approving or knowing about it without even informing me. Now one of them was deleted. 
But the other one, they're keeping on my record 7 years " Now this is causing me great deal of harm to my well-being to my financial structure ''. As far as continue to live a prosperous life with the accessTo my credit. In fact, these companies falsified official documents selling my account Without any permissions or signatures by me. Without even my acknowledgment of the fact they were doing suggestions even on occasions. I looked at my credit report. I would have really appreciate me being treated With the rights that I am entitled to Having this deleted off my credit report .Because of the fact that it is against the policy and the Procedures of the consumer Protection act.

Like I said this is causing me great " Harm '' and disrupting my " well-being '' and " way of life '' to be " disruptive Immensely. '' I need this matter resolved immediately or as soon as possible.! I appreciate all you do and all your efforts. And the knowledge that you guys share for the consumers. Sincerely a consumer of the United States of America. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I may presume that no hard proof of the allied debt, nor therefore any such debt, in fact exists for accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$4700.00} U.S DEPARTMENT OF EDUCATION XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX Bankruptcy - XXXX
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX in XX/XX/year>. I financed the loan with Exeter Finance. I did not ever receive my permanent tags from either entity and have yet to receive. I am on expired tags and the loan is paid for. 

My finance company is telling me that the car lot has closed down and they did not receive the title so there is nothing that can be done. 

I have called the finance company weekly to follow up and no information given. I feel I have had my money stolen from me. They did not follow up on a loan I was paying them for until the car lot closed a month ago. I want my title or a refund of all money paid to this company.
Product: Credit reporting or other personal consumer reports

I signed up as a member with experian and they never removed data and there is lots of information that was never corrected when asked. My membership has unusual activity that was never fixed when I tried to dispute. I was not able to get information from data I requested.
Product: Debt or credit management

With all three credit bureaus i disputed some debt charges that wasn't supposed to be on my credit in the first place. I filed a police report for a car accident i was in on XX/XX/year>. I reported it to the dealership because it was appraised as totaled. Instead of them just letting me pay the car off because i was still making my payments. They decided to sell my contract to the creditor company after the dealership had switched ownership of the dealership. I gave all of my evidence to the creditors from the accident and the evidence of my payments that the dealership said I didn't make. It didn't matter they still wouldn't do anything about it once they realized that the dealership didn't want to deal with it. Also there are some other charges that i disputed that wouldn't get resolved as well i kept getting rejected for things that were on my credit. I also had to file a police report for fraud on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.
Product: Student loan

I applied for the SAVE program over a year ago. All of the information on my application was correct, but Aidvantage never processed my application. At the time, my loan repayment was to be {$0.00} per month. Since then my loan balance has increased roughly 20 %. I have filed several complaints to have my SAVE application implemented and be placed within the program. My current loan payment is around {$800.00}, which I can't afford. I have reached out to Aidvantage, The Department of Education, President Biden 's office, Vice President Harris 's office and everything get redirected back to Aidvantage. My loan payment continues to be missed because I can't afford it and I'm still not on the SAVE plan and hence not in forbearance given the court actions. There is no record of previous monthly payments nor how many monthly payments I have made towards forgiveness. I need help. Can someone please assist me? This is causing undue stress, as I am the sole provider of a family of XXXX.
Product: Mortgage

I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.
Product: Debt collection

It has come to my attention that West Central Texas Collect and XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my account that were not authorized by me. 


XXXX XXXX XXXX XX/XX/22 Sofi lending corp XX/XX/22 There is no phone number for this company.

Im not sure about the loan amounts because its not shown on my report. 

I have already disputed these inquiries.
Product: Checking or savings account

I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XXXX 2021 after following this promotion all the conditions. 
But I haven't received {$100.00} for these direct deposit activities. 
I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates )
Product: Money transfer, virtual currency, or money service

Hello. 

I posted my resume on XXXX, which is a translation job offer website. 
On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. 

On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX   XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. 
As of the date of this notification, your dispute claim has been closed. 

I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. 

Doesn't bankers have responsibility to check if a check is good before deposit? 
Doesn't Navy Federal have a responsibility about depositing a fake check? 
Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? 
Is there anyway I can get my money back? 

Thank you so much in advance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX. 



Re : Dispute of Collection Account # XXXX Dear XXXX, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies.

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report.

Cease all collection activities related to this account.

Provide me with written confirmation that this account has been removed from my consumer report.

Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that XXXX  faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by my credit monitoring service that a hard inquiry was performed by JPMCB CARD SERVICES. Phone numbers I found on internet said to visit the bank Monday. I went into the branch Monday XX/XX/XXXX and was told they did not have a profile in their system. They gave me a " Chase Identity Theft Protection Kit '' with phone numbers to call. I attempted to call but got minimal response, all said they could not locate a 'profile '. Much later that week, in the mail, yet dated XX/XX/XXXX, I received a letter from Chase Bank stating they were concerned someone was using my personal information fraudulently. That letter told me to file a police report along with other strategic things to protect myself - I had already froze my credit report, filed a consumer statement, etc.. I filed a report with the local law enforcement on XX/XX/XXXX. I again attempted to call Chase and ask them to remove my hard inquiry. Again, no profile. Possibly because they have spelled my name wrong on the inquiry- just a guess? In addition to these measures, I have filed a dispute with XXXX - to no avail. I have recently filed a dispute with XXXX It does not appear on XXXX. While thankfully, there is no actual loan/ credit card extended I do plan on applying for a loan in the near future and this on my credit report is not going to help. I'd like it removed.
Product: Vehicle loan or lease

I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report number:XXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance $ XXXX XXXX  and experian ( # XXXX. ) XXXX XXXX XXXX XXXXXXXX balance {$1400.00} on XXXX XXXX  and experian ( # XXXX. XXXX XXXX XXXX account # XXXX balance {$26000.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6500.00} on XXXX and experian please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report XXXXpercent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting stage XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.