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

This week I recieve some random letters and documents from XXXX XXXX Bank, but after more than 30 days of claims and requesting specific documentation, XXXX XXXX Bank clearly FAIL to provide me a Signed contract between my person and them. When I mean signed contract I mean a contract with my signature and an XXXX XXXX bank representative signature, date and or time on the contract. Neither XXXX XXXX bank provide me wit the contract between them and XXXX XXXX XXXX where stated for how much they sold this account together with all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the federal CARES Act, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before COVID-19, your servicer must report your loan as current even if you are not making payments. 

I entered into a mortgage assistance program with the XXXX XXXXXXXX XXXX XXXX due to being out of work during beginning of COVID. I was approved. 

3 payments beganXXXX XXXX XXXX placed me in loss mitigation. 

The first payment of three by XXXX  ( mortgage assistance provider ) of {$1900.00} was made on XXXX XXXXXXXX XXXX 
However, I paid {$1900.00} on XXXX XXXXXXXX XXXX from my checking account. 

My auto pay was shut off unknown to me at this time and I am responsible for overlooking this. However, prior this time I had 0 ( zero ) delinquencies. 

The second payment On XXXX XXXX {$1900.00} was paid. Auto pay had been shut off so I did not have a withdraw from my checking beginning in XXXX. 
-- - At this point XXXX, XXXX, XXXX, were paid and up to date. However, XXXX and XXXX XXXX XXXX XXXX 0 ( zero ) funds due to auto pay being shut off unknown to me. 2 payments. 
-- - The third payment was made on XXXX XXXX, XXXX for {$2000.00}. In XXXX, upon discovering what had happened to my account I paid what was delinquent and asked to be removed from loss mitigation 's grasp and in XXXX I paid the remaining delinquencies. I have not been removed from loss mitigation despite almost 45 days going by and now discovered. 
-- -- XXXX sent my lack of payments to different credit bureaus, which according to the CARES act is not allowed. They claim I do not fall under the scope of the CARES ACT 's silence on payment history. 
Please help me get my credit score back up and to have them recant their reporting as an error on their part. 

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

There is an account incorrectly reporting on my credit report that doesn't belong to me. I would like this removed immediately I tried to resolve this with the company. But they have yet to resolve my issue. The entry is for XXXX # XXXX XXXX {$59.00}. I never received proper correspondence regarding this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX XXXX with a balance of {$1700.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10.XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I have attached a full written statement of events with this submission. 

I was a victim of bank fraud on XX/XX/2021. I was contacted by text message about potential fraud and then received a call from the official Wells Fargo phone number. The impersonator on the phone already knew my name, phone number and that I was a Wells Fargo customer, and possibly more Information. I never once at any time gave this person any Information, including codes etc. They walked me through sending money to myself through the XXXX portion of Wells Fargo 's website. I used my own name and phone number which they were somehow able to divert the funds to a XXXXXXXX XXXX account ending in XXXX. When they hung up and I realized what had occurred, I IMMEDIATELY disputed the transaction and contacted Wells Fargo. After almost a week of talking to various people on the phone and bankers in person, and having to reopen and escalate the case, I have not once received any correspondence with Wells Fargo, though they have attempted to deny liability described to me through a banker. Again, I never once shared any information with the fraudster, and they already had my name and phone number which they used to divert the funds.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case.

If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as " Paid on Time '' or " OK ''.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX to apply for phone service and I was asked to pay a down payment. I was confused because two weeks prior I was approved for a XXXX credit line with XXXX. I went on line to check my XXXX and noticed it dropped 94 points. My credit history has been improving. I have been paying my accounts on time but for some reason XXXX dropped my credit score 94 points. I will be disputing it directly with XXXX but because the company is outsource there is a severe language barrier. Before the drastic drop in my score without warning my score was gradually going up and stopped at 666. Now I'm at 572. The reasons for the drastic drop does not add up. I read that Experian is going through some legal issues regarding a glitch in their system and Prior to this I also notice XXXX was removing things from my credit report that were not being disputed like my name and business history. When I questioned it and tried to dispute it it was not resolved. They also kept adding and removing the same two accounts that I did dispute XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX when they should have been deleted permanently and not re-added. I also notice lots of inquiries on my report from XXXX and unsure why?
Product: Student loan

After I graduated from pharmacy school in XXXX, I found a company to consolidate my student loans XXXX XXXX XXXX with the credit cards I had to use to pay for school. XXXX was bought out by Wells Fargo XXXX approximately XXXX ), and my variable interest rate went from XXXX to 8 % ( with XXXX XXXX, and steadily climbed until it locked at 18.5 % XXXX Wells Fargo XXXX. It stayed at that rate for over 2 years until I found a company XXXX XXXX XXXX XXXX ) who took over my loan XXXX in XXXX ), and provided me with a variable interest rate of 4.5 %. My complaint is that when I called Wells Fargo asking about the rate lock, I was dismissed. Basically, I was told that variable rates rise and fall, and that because it was a privatized I was pretty much stuck with it and them. I did not appreciate the attitude nor the lack of options at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitted complaint to the CFPB about XXXX  XXXX. I wrote a complaint for the second time. CFPB investigated and recieved no response from XXXX  XXXX  after 70 days. I had to call CFPB and ask what was going on and why this has dragged on. Everythingv i said in myn statement is true, and now backed up by XXXX  XXXX no response for now 80 plus days. So this eronuos collection should be removed and formal investigations and charges against XXXX  XXXX, XXXX  and Equifax. Instead the Customer Service XXXX at CFPB sent letters to EQUIFAX and XXXX  asking them to look into this ; not mentioning at all that the original date of XXXX of the CFPB investigation of XXXX  XXXX  for almost 2 years now and not mention all my prior disputes that have been properly investigated by XXXX  and EQUIFAX AND THE FACT OF NO RESPONSE OF 80 DAYS NOW FROM XXXX  XXXX. So I contacted Equifax today. they are treating this as a new investigation all over again. This is wrong! This must removed from my reports at once. Equifax told me that another investigation has to be done and they sent this back XXXX  XXXX for theit response again. i have been hurt by this Credit wise, mentally and phisically drained. Please get this corrected at once. I am trying to buy a house and no more time to wait, nor should i have too. 
I would also like the FTC to be involed in this matter. And to have the CFPB start a Lawsuit against all 3 for company for bad reporting practices -- -- XXXX XXXX. XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, Texas XXXX
Product: Student loan

Navient continually calls and sends mail harassing me despite the fact that I have advised them in writing and via telephone that I am represented by an attorney. I am a XXXX individual and wish for the harassment to cease. They have repeatedly argued with me and badgered me via telephone despite the fact that I have told them I am unemployed and can not pay. I attempted to make payments several times and despite the fact that they said they would not, they still turned by account over for collection.
Product: Debt collection

If, in fact this credit card was mine years ago, debt would have been paid at least 13 years ago. They claim I owe over {$17000.00} from an address and card I may have had in XXXX. I have had no correspondence to this ever and I'm not even sure I had a citibank card back then. I have no records any longer and had all credit card and debts taken care of in XXXX.
Product: Credit card or prepaid card

I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 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  My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA XXXX XXXX b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : XXXX XXXX : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the XXXX  days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

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 XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX  balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is an account with XXXX 'XXXX  ( XXXX ) that is on my credit report. I have been trying to fight this account for sometime because it is inaccurate. I am requesting this account be removed because I have not been provided proof that this account is mine. I have also not received any method of verification from the Experian credit bureau in response to my dispute. I feel that this is negligence and this account should be removed from Credit report immediately. I have already requested a dispute, and NOTHING was changed but an incorrect balance was updated. XXXX  has already deleted this account because it was deemed INACCURATE. I expect Experian to follow suit, or I will be faced to sue this company. This complaint is my final resort to allow them to rectify this situation. I am demanding this item be deleted or I am sent TRUE verification that this account is mine/as well as method of verification. I do NOT want a dispute, because I just had a dispute finished this week for the second time and this account still has not been removed. 

I am attaching a photo shot where it shows this account has been removed from XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to formally dispute the accuracy and validity of a collection account reported on my credit file by Eastern Account System , Inc. This item is listed with a balance of {$380.00} and appears on my [ XXXX XXXX  credit report XXXX I am requesting that this account be investigated in compliance with the Fair Credit Reporting Act ( FCRA ) and that it be removed if it can not be verified as accurate and legally compliant. 

Under the FCRA ( 15 U.S.C. 1681 et seq. ), consumers have the right to dispute inaccurate, incomplete, or unverifiable information. Additionally, the collection agency must provide complete validation of the debt, including proof of my contractual obligation, proper notification, and a chain of title if the debt was transferred. If Eastern Account System , Inc. is unable to verify the debt with proper documentation, this item must be deleted from my credit report per FCRA Section 611 ( a ).