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

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 card

in XXXXXXXX XXXX XXXX I disputed a charge for {$500.00} from XXXX cruise line. 
Capital One received information from XXXX. Capital one then requested information from me of which I provided them multiple PDF 's that provided the information to support my dispute. 
Of which Capital One was insistent I was provided a voucher from XXXX of which I never received. They never provided me a refund, credit or voucher of any kind. 
I had other related charges from XXXX that were disputed that I was awarded. But for some reason this particular one I have not won because of said " voucher ''. 
I have attempted numerous times to reach out to XXXX with no success at all. 
Capital one whom I have had for over ten years and never did a dispute until XXXXXXXX XXXX XXXX XXXXnd never had problems with until now. I am treated unfairly and unable to get this one dispute resolved.
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 : Account Number : XXXX Account Name : 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 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : 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 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Student loan

ACS-XXXX currently holds my students loans. I have been on income based repayment for several years. The XX/XX/XXXX tax return were substantially higher, {$36000.00}. However, I have sent the paperwork they request six times, twice by certified mail. I have all copies of multiple emails and paperwork they requested to help them understand that change in income was due to an inheritance of {$36000.00} that was used to pay off credit card debt. Additionally, I have explained to them, sent multiple copies of my current year 's income as they requested. I also have explained that due to my accountant not filing my tax returns until XX/XX/XXXX for my sole proprietorship showing that I must pay the IRS {$19000.00} in taxes for XX/XX/XXXX tax year with the added responsibility of {$4000.00} in estimated quarterly taxes that were not paid as we have always had a return not owing money. This amount, {$35000.00} leaves me with no money to pay anything. I have made arrangements with the IRS for payments which are {$2500.00} per month. ACS-XXXX has requested an IBR six times and I have provided it six times. I have sent them by certified mail. Each time I send the requested information over and over they send the exact same paperwork stating : Are you having problems paying your student loans? See you qualify for any of the below assistance. It is as if they do not read anything I send them. Due to this constant requesting and submitting paperwork since XX/XX/XXXX they have severely damaged my credit while never acknowledging the receipt of the forms I have sent at their request. It is impossible for me to establish a repayment amount if they simply keep sending the same paperwork over and over and offering absolutely no resolution or payment options, only late fees and reporting it to my credit. 
I need someone that will represent the consumer and protect me against their ignorance of sending the same papers over and over and causing me further financial damage because they are not aware of what they are supposed to do or acknowledge any compliance with their request. I will not talk to them on the phone and have repeatedly told them that due to their actions all communication must be in writing so I have document ion on paper. They only send the same forms over and over. It is as if their staff has no clue what the other staff send. Please advise what action can be taken to resolve this issue and require them to correct the damage they are doing to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Product: Mortgage

In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and documents were provided to XXXX in efforts to remove negative information being reported by XXXX, however XXXX has not removed the negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to 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 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 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.

15 U.S.C. 168c. ( a ) ( 5 ) Section States : 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 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

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$6300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6300.00}
Product: Mortgage

my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.
Product: Student loan

Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!
Product: Debt collection

I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier.
Product: Credit reporting or other personal consumer reports

I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, Equifax and XXXX.
Product: Debt collection

I recently moved from Florida. I must have not paid my last constellation energy Bill as I received a note in the mail regarding the outstanding debt. Since it was only {$110.00} I attempted to pay. 

I had received the letter from Mccarthy, Burgess & Wolff. They stated I could pay XXXX regarding acct. XXXX or XXXX The website would not let me enter despite putting in my XXXX, SS # and Acct. #. 

I called the company and at first they tried to get me to pay over the phone. I told them I wasn't comfortable and please help me pay online. They transferred me to someone else, who again tried to convince me to pay by phone. I told them again I wasn't comfortable. 

I then was transferred again and the gentlemen on th ephone tried to direct me to a different website then was in their letter. 

I told him I felt uncomfortable with that and I told him to let me know when the accept online payments, but until then please don't bother me. 

He let me know it was a debt I owed and had to pay, I told him the only reason I hadn't paid was because his company could not provide the payment opportunities that were promised in his letter. 

I then emailed the help email for payments and I received a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We missed our XX/XX/XXXX payment, but made XX/XX/XXXX, XX/XX/XXXXr, andXX/XX/XXXX payments within 30 days of due date. On XX/XX/XXXX we paid all late fees and theXX/XX/XXXX payment to a XXXX   balance. In XX/XX/XXXX the credit report did not show these payments as late. Now that we have paid them in full, they reported that we were late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus the late fees. We called XXXX to try to resolve and was told by XXXX XXXX in the Executive Office of Support that this is our problem and when I told him I would be contacting your agency he told me You can threaten me, but it doesnt change the fact you were late. We have the right to report it however we want. However, it was NOT reported as multiple late payments until we became current. He disconnected and refused further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies Equifax, XXXX, and XXXX 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name 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 a account without my written instructions
Product: Debt collection

In XXXX I received a letter saying that midland credit was suing me on behalf of XXXX XXXX. I was not aware that if I accepted out of court I would receive a judgement on my name. Once settled I agreed to pay {$50.00} a month until the balance was {$0.00}. I wasnt able to keep up with payments due to midland changing the website that I originally started using to pay. In XX/XX/XXXX they garnished XXXX out of my paycheck and in XX/XX/XXXX they garnished the remaining XXXX. It is now XXXX and the company refuses to take this off my credit report. Every time I dispute with them they keep saying my debt is valid when indeed it is not. The fact that they keep falsely reporting on my credit report is not only hurtful but a violation of my privacy as I never consented for my information to being shared and publicized CFPB complaint In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXXXXXX XXXX Account #. 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 FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o. 

Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distressIt includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and nausea. McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939, 957 ( 9th Cir. XXXX ) ; see also Cushman v. Trans Union Corp., 115 F.3d 220, 225-27 ( 3d Cir. XXXX ) ( actual damages may be emotional in nature ) ; and Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. XXXX ) .Other categories include loss of credit opportunity. Cortez v. Trans Union , LLC, 617 F.3d 688, 719-20 ( 3d Cir. XXXX ). Plaintiffs can recover damages for credit defamation. Dalton v. Capital Assoc., 257 F.3d 409, 418-19 ( 4th Cir. XXXX ). Economic or financial loss is also recoverable. Guimond v. Trans Union, 45 F.3d 1329, 1333 ( 9th Cir. XXXX ). 

Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In Bach v. First Union Nat'l Bank, 486 F.3d 150 ( 6th Cir. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, 795 F.Supp.2d 1255 ( N.D. AlaXXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of Sloane v. Equifax Information Services, 510 F.3d 495 ( 4th Cir. XXXX ) the Fourth Circuit approved an award of emotional distress damages of {$150000.00} for credit reporting violations.