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

Around XX/XX/2023 I mailed disputes letters to XXXX and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed 3 dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Product: Payday loan, title loan, or personal loan

Came to my attention fraud is being committed and harming my personal well being According to 15 U.S Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Also Regulation Z prohibits certain practices relating to payments made to compensate mortgage brokers and other loan originators. The rule prohibits a creditor or any other person from paying, directly or indirectly, compensation to a mortgage broker or any other loan originator that is based on a mortgage transaction 's terms or conditions, except the amount of credit extended. The rule also prohibits any person from paying compensation to a loan originator for a particular transaction if the consumer pays the loan originator 's compensation directly.

The rule also prohibits a loan originator from steering a consumer to consummate a loan that provides the loan originator with greater compensation, as compared to other transactions the loan originator offered or could have offered to the consumer, unless the loan is in the consumer 's interest. The rule provides a safe harbor to facilitate compliance with the prohibition on steering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please correct my account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX  XXXX Account XXXX XXXX********, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, Dept of Ed/XXXX..Account # XXXX, XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

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

Dear Sir/Madam, I was trying to send fund from USBank {$2500.00} via XXXX normally using Online banking and smartphone app. However, suddenly my whole online banking account was locked that I can not access it at all, unable to move funds or even check balance. 

I called the bank and verified my self, but the bank refused to unlock it immediately. The bank said it triggered for a technical review, it will take 2-3 days and unlock automatically, but even I verified myself, they will not unlock it. The bank refused to explain how it happen and how to prevent it, despite it happened two times continuously. 

I am very confused that locking my account without a good reason for a unreasonable long time and refuse to unlock it even I verified myself is a big affect to my life. 

Would you please let the bank to solve this problem? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX  XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.
Product: Mortgage

Home is passed on and had to go through probate, I obtained full authority to sell the home. On XX/XX/XXXX letter of intent with probate documents was sent over to the bank. I was told by a representative this is all I needed to submit. I spent money on making repairs to the home to make it available to sell. I listed the home on XX/XX/XXXX. I authorized my realtor to keep in touch with the bank and she was advised that their was no sale date on the property and that if that came about I would be granted an extension. I now have a sale date of XX/XX/XXXX, I have asked for an extension and have been told that I'm not able to be granted and extension due to timelines and not providing proper documentation. Of which I followed everything they asked for but now state I didn't submit it on time??? 

Please help I'm beyond stressed and have tried everything on my end to abide by their timelines and process. My mothers death was very hard on me and I'm trying to tie up all these loose ends. I just need a bit more time.
Product: Checking or savings account

I am a college freshman at XXXX XXXX and was the victim of a phishing scam. The scam included several XXXX students whereby we thought we were working for a XXXX XXXX and needed to make purchases as part of our Research Assistant duties. 4 days into the job, I became suspicious and alerted the university as well as filed a police report. Once I submitted my documents to TD Bank, they chose to make me liable for the {$2500.00}. 
Any help regarding this matter would be greatly appreciated. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid off via a settlement of 80 % of balance using my debit card which charges cleared the next day. I was told the balance of {$640.00} would be removed from my credit bureaus and would indicate paid in full within 10 days of payment made. As of this date XX/XX/20, this balance of {$640.00} in collections is still showing. I have disputed it with the credit bureau but that has not worked. I am working hard to recover my credit derogatories due to illness. Please assist me if possible.
Product: Student loan

To make a long story short. Since XXXX of 2018 I have been using the APP to make my payments a month in advance. On XX/XX/XXXX I made my XX/XX/XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I paid XXXX XXXX payment XX/XX/XXXX I XXXX XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment Now the issue occurs when Earnest was bought out by XXXX and decided to change their system. In late XXXX XXXX I was informed they updated their system. The new system does not allow early payments. So EARNEST decided to take my early payment I made on XX/XX/XXXX and reallocate it to my priniciple. Then on XX/XX/XXXX they charged me again for my payment. I was basically double billed in XXXX when I had a balance of {$0.00}. When I called to get the issue resolved, I was told there is nothing they can do about it. That now my loan will just be paid off a month earlier then planned. This was not the point of this payment nor did I authorize an additional payment to be made. I authorized my XX/XX/XXXX bill to be paid on XX/XX/XXXX. Which Earnest had had no problem taking my money for, but then charged me again on XX/XX/XXXX because their " New System '' Cant process that correctly.
Product: Credit reporting or other personal consumer reports

Eqifax has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX  XXXX nor XXXX FOR ANY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN many times to correct my personal information. 
They have received copies of my government issued driver 's license and court documents SHOWING my name is XXXX XXXX XXXX For some reason - EXPERIAN has NOT updated that information so while I am paying for my {$40.00} a month package to monitor my credit because they have FAILED to do their job- the services like IDENTITY theft I am paying for and XXXX  are not able to be used because among other things EXPERIAN has not rectified the information that is ALREADY on previous filings with CFPB PENDING and complaints I filed with them and did nothing. Currently I am on the phone with a XXXX telling me that the reason the FEAUTURES I pay for are not able to be used because my name is wrong on the system. The XXXX like all FOREIGN BASED XXXX  put you on hold and hang up when it's close to closing time ( like they did again just now ) Experian has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Mortgage

Cashcall Mortage appears to have sold my loan to XXXX. I received a mortage statement from both companies dated XXXX for payment due on XXXX. I did get a hello letter from XXXX. I contacted Cashcall and my auto debit was still pending for XXXX and they stated on the phone they never sent out a good bye letter as they should have.
Product: Credit reporting, credit repair services, 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 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 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: Debt collection

Law enforcement validated the identity theft report. XXXX and XXXX removed the accounts, but Experian refuses. Experian claims submitted documents are invalid, 6th complaint with no resolution in 6 months.CFPB, investigate this failure to process identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Urgent action needed. I'm the complainant, and no third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attained a copy of my credit report and simply asked the credit bureaus and or consumer reporting agencies to check and make sure every single detail was completely accurate and although i'm no lawyer, according to 15 usc 1681i ( 5 ) EVERYTHING MUST BE 100 % ACCURATE!

30 DAYS CAME AND WENT AND I RECIEVED MY CREDIT REPORT JUST TO SEE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES which is Transunion IN THIS Case did not modify or remove anything.

The Date Last Active is NOT correct on all 3 credit reports ..... The Date Last Reported is also Inaccurate .....

This is a violation and is it's actually costing the ability to get approved for credit and that is simply not fair as I am trying to purchase a Home for my family!

i will attach my credit report to show how TRANSUNION violated my rights!
Product: Credit reporting or other personal consumer reports

REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XXXX CARD ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.
Product: Student loan

I have been paying my student loan from Wells Fargo since 2011-ish, and  historically have struggled to make the {$450.00} payment every month. I currently work in XXXX XXXX and my take home pay is about {$2400.00} a month. They are taking a fifth of my income every month and if I have unexpected expenditures in a month, I may get behind at which point I get letters in the mail and my cosigner and I get calls every single day sometimes up to five calls a day, recently it has only been one call per day for the most part. I have looked at refinancing the loan with them which saved me a negligible amount of money, and tried to get the loan restructured and based on my income and they refused to lower the payment. I have called and spoke to a few different people in different departments and basically no one there is  willing to help me get this loan on track. I clearly can not make this payment every month, and I have demonstrated this over the course of years. I am currently three payments behind as I just switch jobs and am trying to figure out how to get my account current. If they would restructure the loan, all my problems would be fixed. This loan is basically ruining my life, is extremely hard to keep up on, and has been a massive headache. I want to pay it, but I do n't want to pay an amount that makes life difficult! I do n't understand why Wells Fargo will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft request removal and deletion of the listed accounts on my XXXX, Experian, and XXXX credit report.1. XXXX XXXX XXXXXXXX, ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX. XXXX XXXX XXXX, ACCOUNT XXXX, Opened : XX/XX/XXXX. XXXX XXXX ACCOUNT XXXX Opened : XX/XX/XXXX. XXXX AUT, ACCOUNT NUMBER : XXXX, Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Spring Oaks Capital SPV , LLC Had stated that a bill assumpted to be me was sent to me and paid in a amount of XXXX dollars or more. 

I dispute again this owning of a card called XXXX. Already in the year they said it was opened. Two years prior to that I was scammed out of money from a company who said I owed them money. And still getting emails from company 's telling me about giving them money for offers. 

I do not accept what this company claims. 
Ask the CFPB to step and remove the negative report, as I had already done with contacting the three credit bureaus. 

They state in their as if the charge happened in XXXX. This happened over four years soon to be five years ago. 

No word of it mentioned or said back then. 

This is not mine
Product: Debt collection

I have submitted numerous of dispute letters regarding a debt that has shown up on my credit report for some time now. I sought legal advice with a lawyer and per form 609 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

I sent a letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX, ACCOUNT NUMBER XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) During this time the account was purchased by a Collection Agency by the name of : XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX I sent a 609 letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX XXXX , ACCT # XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) I AM DEMANDING TO SEE VERIFIABLE PROOF. 

I have also submitted the same letters to XXXX and XXXX in which the have removed this from my credit report.
Product: Mortgage

Follow up on complaint XXXX. 
I received a call today Roundpoint regarding the extra payment I had made to them.The call was regarding the complaint that I had filed with CFPB. I have not heard back from them regarding numerous calls that I had made prior to filing a complaint. 
The representative informed me that they had received my complaint and were going to start an investigation. She asked me to submit a copy of the cashed check. She was oblivious to my prior communication with Roundpoint and the documentation that I had submitted with my CFPB complaint. A month later, I have not received a adequate response from Roundpoint and they claim they did not receive a payment when I have a copy of the cashed check from my bank. 
CFPB, thank you for your help and support. I am frustrated beyond my " boiling point ''. If my case can be used as an example to save others from issues with Roundpoint, please share my story with the community. 
thank you kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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