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

I, XXXX XXXX, authorized a dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred. These violations include : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency failed to verify the accuracy of credit information, which is required by law, and this willful noncompliance could result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of sharing my personal information, which is a violation of my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) : The agency reported inaccurate inquiries and accounts without proper validation, which could also violate Generally Accepted Accounting Principles ( GAAP ) and is considered deceptive.

Debt Collection Practices Violations : The agency engaged in unfair practices by reporting inaccurate debts and contacting me without my consent, violating the Debt Collection Practices Act and causing unnecessary distress.

Acquiring Location Information Violations : Debt collectors improperly disclosed my personal debt information to third-party credit reporting agencies, which violates regulations prohibiting such disclosures.

Inaccurate Reporting of Late Payments : The agency reported " late payments '' without providing a clear definition of what constitutes a late payment, leading to deceptive and inaccurate reporting.

Failure to Accurately Report Finance Charges : The credit agency did not accurately report finance charges, violating their responsibility under the FCRA.

Failure to Obtain Written Consent for Reporting ( FCRA Section 604 ) : The agency reported information without obtaining my written consent, which is a violation of the permissible purposes under the FCRA.

In response, I requested that immediate corrective actions be taken, including the removal of inaccurate personal information, the correction of payment histories to reflect " paid as agreed '' status, and the validation of alleged debts under the Debt Collection Practices Act ( 15 U.S. Code 1692g ). I specifically asked that debt collectors provide proof of the debts, including the original contracts or agreements, or else the items must be removed from my credit report. 

I expect these violations to be addressed promptly. If the issues are not resolved, I will pursue legal remedies as allowed under the FCRA.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX MAIL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX TRANSUNION XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you 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 the 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 below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is not updating my credit report. Since XXXX the only time they have updated anything is when I have disputed it. I paid off all of my credit cards in XXXX, Equifax still has me using 40 % of my available credit, and the ones they have updated they only did so because i disputed the balance. This is negatively effecting my ability to obtain credit. On the credit reprot it even shows the last payments they updated as being in XXXX, except for the ones I disputed. All of the companies in question have assured me they have notified Equifax of my status every month along with the other XXXX agencies ( XXXX and XXXX ) and that it is Equifax choosing not to update me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

On XX/XX/year> and XX/XX/year>, I submitted a formal dispute to equifax regarding incorrect items on my credit report.
Product: Vehicle loan or lease

Description of Complaint : MY MOM, XXXX XXXX XXXX, HAD A CAR, A XXXX XXXX XXXX, THAT WAS FINANCED THROUGH XXXX XXXX. I WAS MAKING THE PAYMENTS. MY MOM WENT INTO THE XXXX XXXX IN XX/XX/XXXX. XXXX XXXX CLAIMED SHE DID NOT HAVE CREDIT LIFE INSURANCE. THAT WAS A LIE. MY MOTHER PASSED AWAY ON XX/XX/XXXX AT XXXX XXXX IN THE MORNING. XXXX XXXX REPOSSESSED THE CAR AFTER HER DEATH. THE CAR SHOULD HAVE BEEN PAID OFF AND GIVEN TO THE BENEFICIARY. I AM THE BENEFICIARY. THEY NEVER ONCE CONTACTED ME AFTER REPOSSESSING THE CAR. I WAS UNABLE TO CONTACT THEM. THEY NEED TO SEND ME THE CAR OR PAY ME THE DIFFERENCE OF {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well
Product: Checking or savings account

My account with the bank account is that I never used my account on line, except checking balance, I was charged with accepting a loan that I never used, overall
Product: Payday loan, title loan, or personal loan

I did not proceed with their process to borrow against the equity in my home and I simply want to report what they are doing because I was alarmed by it and feel their practices are inappropriate. They sent me a letter by mail with a code offering a line of credit against the equity in my house, containing valid information about the equity I do have.The online application process proceeds normally until they ask you to supply login information : Account logon ID and PASSWORD for any of the following : Your payday provider, i.e.  XXXX, or your checking account access, or your IRS account or your " asset : account ( presumably your investment portal ). 
I do not believe there should EVER be a reason to supply anyone with logon information to any account, and certainly not financially critical accounts such as they demand. I called them and asked if a PDF of my recent pay stub would work and they said no, I had to allow them to logon to my accounts. They then supplied some misinformation about how this only allowed them limited access. That is a lie. If I give them logon information, obviously they can do anything I can do when I logon, such as transfer money from my checking account to them, sell any assets from my retirement account, etc. 
I wanted to alert you to this.
Product: Mortgage

Im writing you because Citimortgage continues to violate CFPB rules do that were set forth to protect homeowners. I am a homeowner in XXXX, OR. 

I have been trying to modify my mortgage since XXXX. XXXX XXXX. I have sent thousands of documents only to have them lost or illegible and then abruptly have the file closed. 

Yesterday they violated the CFPB dual tracking rules. I have attached documentation below. 

I always notify their CEO, XXXX XXXX, of the violations. They have already been fined $ XXXX for these violations but that does not dissuade them from continued violations. Their CEO is knowledgeable and culpable. 

Again, I have been trying to modify the loan since XXXX and they continue to tack on fees and interest on my mortgage and continually drag me through their mess. This has caused much stress in my life and has cost me hundreds of thousands of dollars and has ruined my credit. 


I am writing to report yet another violation of the CFPB rules on dual tracking by Citimortgage. Attached are the necessary documents outlining the violation. 
Posted XXXX XXXX, XXXX at XXXX. 




Screenshot from email sent by Citimortgage to XXXX XXXX on XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX, OR XXXX
Product: Credit card or prepaid card

TD Bank ( backs the Target Red card ), appears to be taking advantage of consumers during this pandemic. 

Without notice, they lowered my account limit, never late, from {$2500.00} to {$1300.00} this month. 

Here is the communication to them : " It appears, without notice, my credit line was reduced, never been late. This changed my credit utilization from 46 % to 89 %, negatively impacting my credit score. I  will be filing a complaint with CFPB, there is a better way to treat customers, if you said " We want to reduce your credit limit in 90 days, to {$1300.00}, I would have paid it down to avoid a high credit utilization percentage ''. This is NOT the time to be ruining people credit rating. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account with XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.
Product: Checking or savings account

I have had a checking account, and later a savings account, with JP Morgan Chase Bank for about 8 years. I protected my money by obtaining overdraft protection for my checking account. I have saved for my first half property taxes and was able to pay it by the due date. 
Around XX/XX/2018, Chase decided, without my permission, to change my savings account into a checking account, effectively cancelling my overdraft protection. I pleaded with a bank official in the home office to restore my savings account as I didn't want 2 checking accounts and I was now vulnerable to overdraft fees of {$34.00} per transaction. He refused. Since then, my savings have been steadily depleted by overdraft fees, none of which was the bank willing to forgive. About {$470.00} is gone so far. I am coming up short on my property taxes, I don't know if I can raise the shortfall.
Product: Debt collection

They stated I owed money on a phone bill to XXXX on an address I I do not know of
Product: Debt collection

Received Bill of Sale that my account was charged-off ( Original Loan was through XXXX XXXX XXXX XXXX XXXX and purchased by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

File Name and Number : XXXX I do not know what amount XXXX XXXX XXXX paid for the account that was charged-off. As this information was not provided, what was provided was a group of accounts ( XXXX ) and a total of unpaid balances ( {>= $1,000,000} ). 

I request to know what was paid for my debt. 

On XX/XX/XXXX - A letter from Javitch Block LLC was received. 
Javitch Block LLC is a debt collector trying to collect a debt and they are trying to collect on an amount ( {$31000.00} ) that I believe to be in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was informed on XXXX XXXX XXXX by my servicer, XXXX, that my Income Based Repayment plan was ending was up for recertification. Due to the astronomical amount of student loan debt I have, my monthly payment was calculated to jump to XXXX. I then submitted my application to re certify and a few days later I received notice that was denied for the Income Based Repayment. I went online to seek what other repayment plans were available and sought to apply for the ( IDR ) Income Driven Repayment. I decided to email to let them know I them that I am experiencing financial hardship and was in the process of filing bankruptcy and awaited their response. Received no response that email. 

On XXXX XXXX, I submitted the IDR application along with my paystubs. On XXXX XXXX, XXXX responded saying they received an incomplete application and needed the pay stubs. I uploaded the paystubs again, and on today XXXX XXXX I was informed I was denied the IDR. I want to make the effort to repay my loans, but their calculated payment of XXXX will be a major hardship to pay.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Vehicle loan or lease

Consumer portfolio did not indicate any autopay was activated and was not on the account before. I then went to make my payment as normal at XXXX because I do not have fees. I then look at my bank account and I am over drawn by {$420.00} from consumer portfolio because they took another payment. I contacted them right away and was told I could go to XXXX and get a refund so I did and nope no refund allowed. I called back they can send a check or refund the autopay but the whole time now I have to be charged overdraft fees now playing with my rent and other bills. I want consumer portfolio to pay those fees for each transaction they caused an overdraft for, to remove autopay and to start notifying they are turning it on as well as allow customers to turn it off as they please via the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX PULLED MY CREDIT AND NOTICED THAT THERE IS INFORMATION ON MY CREDIT REPORT THAT I DO NOT VALIDATE. FOR ONE I AM THE ORIGINAL CREDITOR AND I DID NOT VALIDATE THE ALLEGED DEBT. THE ALLEGED DEBT IS IDENTITY THEFT. I HAVE ASKED FOR THE ORIGINAL SIGN DOCUMENTS AND BEING I DID NOT GET THEM I DO NOT VALIDATE THE ALLEGED DEBT. 

UNDER the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I'm DEMANDING THIS ALLEGED DEBT BE REMOVE FROM MY CREDIT REPORT.
Product: Student loan

I have federal student loans serviced by MOHELA. Several years ago before my servicer was changed to MOHELA, I submitted paperwork to waive any and all deferments or forbearance and ensure that every month would count towards PSLF. MOHELA apparently lost this paperwork in the transfer, and I had to spend several months and complains with the CFPB to get it fixed. I was finally assured that my paperwork was once again in place so that any forbearance or deferments would be removed and that every month would count towards PSLF both retroactively and in perpetuity unless I explicitly requested otherwise. 

However, in XXXX of this year I once again received notification that I was taken out of the income based repayment plan I've been on and placed into forbearance. I did not request this and it is contrary to the paperwork I previously submitted. MOHELA has not even responded to my numerous attempts to contact them to fix this egregious error that has gone of for 3 months now. 

MOHELA needs to immediately put me back on the income based repayment plan, retroactively remove any forbearance and/or deferments on my accounts, retroactively apply credit towards PSLF for any months I was incorrectly in forbearance or deferment, and fix whatever problem is preventing them from keeping my waiver in place as they should be. 

I have expressly given MOHELA permission to share my information with the CFPB and communicate about this issue. Any response that claims they can not do so means that they have not actually read the information in this complaint and are once again failing to do the most basic tasks of their job as a loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very hard ongoing investigation with Capital one. I been very sick and had an emergency operation and became XXXX in a matter of days. 
I had no time to waste I had to go with the hospitals and have a home card after my operations. for several years I was at the mercy of home care and had to allow my home to run with strangers and bills had to be paid with people i didn't know. as you can see I had questions on how my card reports came though for years I tried to understand why charges were on the account without me knowing there were several different people paying my bill while so others were using my credit cards without my permission. I have an attorney write letters to explain but i did not receive an answer. I really thought it was ok because you change the card numbers but during the time it took to get my cards in a settlement since I was not able to see my statements but was able to start paying my own bills after years of fraud that these caregivers has done. then this has happened I reported right away and was given a police report and the necessary investigation was taken. 

you have been helping in a way that I am grateful for. put please it is now years that I am asking you to take the late data off my report. 

it been years and since I'm still fighting for my credit I'm asking they you understand how this is hurting my life i reported to the police and my insurance company. here are the dates and credit card numbers. i know this is hard to understand now that I'm explaining maybe you cau erase the late data off om report that i had no fault because all my cards were paid off and and the cared works paid my bills and used my card without my permission account ending XXXX. Account number XXXX. Account number XXXX late XX/XX/2017 late 30 day late XX/XX/2017 late 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX Late 30 Days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days XX/XX/XXXX 120 days late XX/XX/2017 late 30 days late XX/XX/XXXX 60 days XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late three cards that are giving late date data, please correct