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

they are reporting incorrect information on my credit file. after i have disputed this and was told these inquiries would be removed.
Product: Debt collection

The debt collector was notified that I paid the debt in full to the original owner XXXX XXXX. Furthermore XXXX  was notified that XXXX  XXXX of XXXX XXXX never delivered the furniture in 2015 that I signed to purchase as they claim it was out of stock and gave me something else. The entire file is fraud and misrepresentation originating from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Student loan

They are overcharging me. I ca n't get ahead. They are not helpful in any way. They will not work with me so that I can repay what I owe. Due to my financial circumstances and being a single mother it is already a struggle to repay and they will not budge or work with me. It 's ruining my life. The loan amount keeps increasing and I do n't know why. This is having a really negative impact on my credit which is hindering me from moving forward in my life in any way. I ca n't buy a house or finance anything at a reasonable rate. Help! I am also trying to further my education but without loans since I 've had such a horrible experience. Something has to be done.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX  # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed due to identity theft with supporting FTC ID theft report. On XX/XX/year>, the accounts in question were removed from my Equifax reports and dispute reports were uploaded by equifax. On XX/XX/year> one account in question was brought back to my report and another dispute is added to my file as " closed '' but with no report attached so i can not see the results. I did not add this dispute. On XX/XX/year> I resubmitted the dispute and FTC report ( this dispute is still open as of XX/XX/year> ). On XX/XX/year> other accounts in question were added back to my report and there is another additional ( closed ) dispute investigation on my account also without a report or explanation.
Product: Checking or savings account

Citibank closed my account. 

On XX/XX/2023 I came to my Branch, located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I came there to deposit check on my account. There the clerk of Citibank told me that my bank account was closed. 
I had a conversation with another clerk and his supervisor - there were not able to identify and explain the reason to close the account. Also they showed no interest to investigate. 

Important to mention : Citibank 's automated system called me on the week of XXXX XXXX XXXX XXXX  to settle-up an overdraft of {$12.00} that occur because of the standard charges for monthly account service fee, charged by bank. No other calls/warning from Citibank about closing my bank account were never received. 

By closing account that was not in the overdraft the bank cause great inconvenience to me.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of inquiries from Capital One reported with dates of XX/XX/year>2022, inquiries that I did not make nor did I authorize a third party to apply on my behalf. These inquiries are degrading my credit profile, so I filed disputes with the credit bureaus requesting documentation that was used to verify these inquiries. However, they did not respond and provided no documentation regarding the matter. I also filed a complaint against them, but they claim that the inquiries are verified without any evidence that I can corroborate. Therefore, I am submitting this new complaint directly to the lender to seek a resolution to this issue.
Product: Checking or savings account

On XX/XX/2022, I found out that my money was gone in my savings account and so called " joint account '' with my distant relative without my knowledge worth {$150000.00}. He access my account and transfer all my money on the so called " joint account ''. She left me broke and he open another credit cards under my name and maximized and used it and get a autoloan an estimated total of $ XXXXWe already filed an identity theft and fraud to them but they did not recognise it. 

I have XXXX XXXX and can not see clearly and I leave alone. Hope you can help to file a complaint or to sue them.
Product: Student loan

I was enrolled in the XXXX plan with my first payment planned for XXXX. Mohela in mid XXXX put me on administrative forbearance for no reason, and I called and they could not tell me why. I asked them to remove it so I could benefit from the XXXX plan and they said they had done so, but it takes a couple days to go through. They also stated that if was delayed going through, to just make my monthly payment and interest would not accrue. 12 days later, I am still in admin forbearance and they charged me {$1500.00} of interest. This number would be {$0.00} if the XXXX plan were applied like it was supposed to be. I am a borrower who is not working toward forgiveness, but to pay off my loan in full. This one month mistake could cost me tens of thousands of dollars over the life of this loan if not corrected. Their business is either a scam or they are completely incompetent. Either way, borrowers such as my self are bearing the brunt of this injustice and it needs to be resolved. Thank you for your help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported XXXX late payment is inaccurate because my records show that the payment was made on time, well within the creditors XXXX grace period. Therefore, reporting a XXXX late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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 dispute information on my credit report, leaving inaccurate or unverifiable 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 dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX XXXX inaction violates federal law and my right as a consumer.
Product: Payday loan, title loan, or personal loan

I was under the impression that I would be able to pay back money borrowed with no penalty or interest.
Product: Checking or savings account

On XX/XX/2023, Wells Fargo called to speak to my father. I told them that my father was in the hospital and my mother ( joint on the account ) was available. I was told that without a power of attorney on file the bank could not speak to my mother. My mother received notification that the account had been suspended due to suspicious activity. My mother and I brought a power of attorney document to the Wells Fargo local branch. This document was reviewed by legal and found to be valid. A notary arrived and verified my mother 's identity. The documents were uploaded into Wells Fargo 's system. We were told that we could not do anything further until the documents were " in the system '' and that this might take two business days. My sister called the number we were given ( XXXX ) approximately XXXX XXXX on XX/XX/2023 and was told that they could not speak with her, as she was not on the power of attorney. At XXXX on XX/XX/2023, I called the same number, as I am on the power of attorney. I was told that no power of attorney was in the system and that I should call back later. I called back at XXXX and was again told that no power of attorney was in the system. I asked if we would be notified when the power of attorney was in the system and I was told that we would not be. I called again at XXXX on XX/XX/2023 and was again told that there was no record of a power of attorney in the system. The account can not be used, and we have only been told that it can take time for the power of attorney to be uploaded into the system.
Product: Checking or savings account

On XX/XX/2021 I deposited a government check from my Federally recognized XXXX XXXX ( XXXX XXXX XXXX ) to my Bank of America checking. This was a day before XXXX. I was advised that while a hold would be placed on the funds, they would cover any things debited from the account on the next business day XX/XX/2021. I have now received {$100.00} in fees from the bank ALONE ( nevermind the merchant ) because they are not allowing my debits to be processed ( automatic payments ) because they wont remove the hold. I did not ask for the entire hold to be removed, just enough to cover what is currently being pulled since I was advised it would cover it by the next business day ( XX/XX/2021 ). When attempting to get the fee refunded, I was advised I couldnt. I was advised the check looked fraudulent even though it was drawn on another bank ( XXXX ) and was government issued. I recognize and understand the need for the hold, however, I am extremely upset that they were able to release the hold to take THEIR monthly maintenance fee and then charge me additional fees.
Product: Mortgage

Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down?
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. Account name : XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent 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 First Premier Act. # XXXX in accordance with the Fair Credit Reporting act Convergent 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 XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act Convergent 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 Cc XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent 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 XXXX XXXX in accordance with the Fair Credit Reporting act Convergent 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 XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent 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 Convergent Outsourcing XXXX in accordance with the Fair Credit Reporting act Convergent 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: Payday loan, title loan, or personal loan

They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Closed Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.