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

XX/XX/XXXX my fico scored decreased by XXXX points because of XXXX XXXX XXXX XXXX  XXXX and power that I self reported they stated that I owed XXXX dollars which was incorrect XX/XX/XXXX I made a with Experian dispute and my points decreased by XXXX points and the account disappeared off my Experian account Experian provided a number when I disputed this but when I called it said out of service Here is the number XXXX I believe Experian has been hacked because they recently had a data breach Im dealing with identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my student loan account due to violations of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g. FERPA is a federal law enacted in 1974 that protects the privacy of student education records and applies to all public and private elementary, secondary, and postsecondary schools that receive federal funding.

According to FERPA, educational institutions are required to protect the privacy of student records and provide students with the right to inspect and review their education records. Furthermore, any disclosure of personally identifiable information from these records requires the written consent of the student, except under certain legally specified conditions. Under FERPA my rights have been violated.
Product: Student loan

I cosigned a student loan with Navient on behalf of my sister. Because of Navient illegal forbearance scheme the loan was mishandled. The loan qualifies for discharge under a lawsuit filed by the Attorney General of New York. She has gotten other loans discharged however Navient wants me to pay. I was a resident of New York when I helped her and has relocated to Georgia for XXXX XXXX now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Incorrect Reporting of Late Payments on Closed Account Dear CFPB, I am writing to file a formal dispute regarding inaccurate reporting by [ Credit Card Company Name ] to the credit reporting agencies. Specifically, they have reported late payments on an account that was closed on [ Date of Account Closure ]. The details of the account are as follows : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Credit Card Company : Lowes Credit Services Date of Account Closure : XX/XX/year> Upon review of my credit report, I discovered that the credit card company has continued to report late payments after the account was closed. This is a clear error, as no further activity has occurred on the account since its closure, and no payments were due following that date. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and that the late payments be removed from my credit report as they are not valid. 
For your reference, I have enclosed the following documents : XXXX. A copy of my credit report showing the late payments being reported. 
XXXX. Documentation from [ Credit Card Company ] confirming the date of account closure. 
XXXX. My correspondence with the credit card company regarding this issue. 
I respectfully ask for your assistance in rectifying this issue and ensuring that my credit report accurately reflects my financial history. I look forward to your prompt investigation and resolution of this matter. 
Thank you for your time and attention. Please feel free to contact me if you need any additional information. 
Sincerely, XXXX XXXX
Product: Checking or savings account

My card was fraudulently used at various ATMs in XXXX after I went to get some medical work done XX/XX/15. After my card being denied the next day, I attempted to call wells fargo but my cell company wouldnt allow the call to go through. When I returned to the US on the XXXX I immediately contacted wells fargo and submitted a claim. I mentioned to them the entire situation and was rudely told to wait the 14 days. I cant wait 14 days to feed my family and keep a roof over our heads. This is truly bullying and I cant do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 


XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/2022
Product: Student loan

I applied for a loan to refinance my student loans with CommonBond on XX/XX/2020. I received confirmation via email. Since then I have not received a a result and have been asked for multiple information by them including adding a co-signer. I have not received an answer to them since XX/XX/2020 regarding if I was approved, a loan rate, or anything. I have contacted them via email multiple times and via phone. 

CommonBond asked me to add a cosigner 4 days later on XX/XX/2020. I was back and forth with them by them stating that my co-signer put the wrong income amount. When they sent two years of tax returns they stated they could only verify a wrong amount. When I looked at the tax returns and it was more than half of what is listed on the tax return. They did not reply to any emails that I sent after this. I have attached all of my communication with them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a serious concern - AGAIN - of what XXXX is doing with our escrow money. Last year ( XXXX ) we had to contact the CFPB for homeowners insurance fraud and escrow fraud on XXXX XXXX and it appears we have problems again. 

Here are the 2 problems : Our homeowner 's insurance is not {$460.00} as it states on XXXX 's online info. It's actually {$480.00}, we just received the bill yesterday - XX/XX/XXXX. 
Our last XXXX statement said we had an escrow balance of {$3600.00} on XX/XX/XXXX and today ( XX/XX/XXXX ) it states we have a balance of {$1600.00}. Our property taxes are only {$980.00} - which should be an escrow balance of {$2600.00}. I have 2 documents to prove this amount.

This is the 2nd time we have had fraudulent activity with this company involving our escrow balance and homeowner 's insurance. Lakeview Loan Servicing did not pay our homeowner 's insurance last year, trying to tell us we had to purchase their insurance for a maximum premium. They tried stealing our escrow money and until we contacted CFPB, we got it back. 

I emailed and sent in the 2 documents to XXXX complaining about this issue. Please investigate XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) This is the 2nd time we are dealing with this XXXX!!
Product: Student loan

Back in early XX/XX/XXXX, I completed and sent in my XXXX XXXX XXXX XXXX XXXX XXXX. Almost XXXX  months later, it is " still under review '' and they can't give me an estimated date of when it will be certified. I complete this form about once a year and sent it to myfedloans. I work for XXXX XXXX XXXX and have since XXXX. I have stayed in contact with myfedloans. At first when I contacted them to see when my employment would be certified, I received several different reason why it had not been. My form was sent in complete with my employer 's signature, title, and dates. I do not understand why it takes XXXX months to certify employment that I have had since XXXX and send in every year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, FL XXXX There are XXXX companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Crypto.com and started investing in cryptocurrency. For the first two weeks I was able to purchase and convert crypto with no issues. About two days ago I received a message that said that I made a withdrawal from my account but I never made a transaction to withdrawal any cash as my goal is to invest in the long term. The transaction was made around XXXX XXXX  which raised red flags. The next day I sent an email to Crypto.com explaining the issue and a representative sent an email explaining that they take fraud very seriously. I received another email requesting for me to send a selfie and a piece of paper with the date, my full name and Crypto.com written on the piece of paper which I emailed XX/XX/XXXX. No one has gotten back to me to help me with the situation. I went back into the app to log in and none of my crypto assets were showing on the app. What I was able to see was only the amount I had in the account. I kept on trying but it wasnt working. I started to get a little suspicious and I believe my account is locked as I can not buy crypto or convert my crypto in my account. I have no access to my funds. Ive sent countless of emails and I keep getting an automated response from Crypto.com customer service. The amount in my account is {$1100.00} and the email associated with my account is XXXX. What I want is access to my funds. 

Thank you
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated all ABOVE laws
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report falsely has my dad 's account with XXXX  XXXX Bankruptcy attached to it because we have similar names. I've tried multiple times to ask one credit bureau called Experian to file a dispute to delete his account from my credit report. Over the course of the past 3 months Experian has been sending me emails saying the information I'm disputing has not been deleted as I requested but has been verified and updated. I asked Experian what can I do next, they just say there's nothing else you can do. Just refile a dispute and contact the creditor. I did both. I mailed a letter to the Creditor called XXXX XXXX XXXX XXXX, who my dad filed XXXX  XXXX bankruptcy with, and the mailing tracking system says they received it. And I refiled a dispute with Experian multiple times. They just send me back an email saying the account is verified and updated but not deleted. Now I just got an email back from XXXX XXXX saying that my credit has been decreased XXXX points. Apparently they thought I meant increase my dad 's balance and add it to my other accounts because XXXX and XXXX now are saying I'm delinquent on my payments for a XXXX  XXXX bankruptcy that I don't have. This is very serious for them to connect a XXXX  XXXX bankruptcy on my credit report and then refuse to try their hardest to do anything about it. Please help.
Product: Credit card

Initiated a balance transfer from Discover to XXXX. 
The funds posted to my Discover account on XX/XX/XXXX. 
XXXX never received the funds. 
Discover confirmed that the account number provided was " off by XXXX '' which is ridiculous as that is easily verified using a checksum ( XXXX algorithm ). 
Can not start looking into the matter until 8 days have passed but the amount has conveniently been added to my Discover balance already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on Equifax and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX  as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX and Equifax are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I signed up for XXXX XXXX services XX/XX/XXXX through a bundle service offering through XXXX. I move during the month of XXXX and had the XXXX services transferred to my new place of residence. When I received my XX/XX/XXXX bill from XXXX I had been overcharged by XXXX {$200.00} transfer fee for services. This error in billing, which XXXX XXXX admitted to, cause an undue burden on my finances which in turn made me unable to pay my XXXX bill which collected payment on behalf of XXXX and themselves. The billing became so skewed from being over charger and XXXX putting the XXXX charges on hold to get the corrected information from XXXX, that throughout this process I got further behind because at XXXX point I was presented with a monthly bill for approximately {$400.00} when I typically paid {$120.00} for XXXX services. From XX/XX/XXXX through XX/XX/XXXX I attempted to get my billing corrected. Meanwhile I was paying late because there where wrong charges on mybil and I was unable to pay them. Finally, XX/XX/XXXX I asked XXXX to unbundle my services as I had never been more than a week late paying my paying my XX/XX/XXXX bill prior to them bundling the services with XX/XX/XXXX. Once XX/XX/XXXX unbundled my services I asked XX/XX/XXXX to cancel my services and XXXX swayed me to keep the services which I thought would be at the same rate I was paying through XX/XX/XXXX. However, they neglected to explain that I would actually being signing up for a new service contract and the rate would be nearly $ XXXX versus $ XXXX I had paid with XXXX. I found this out in XX/XX/XXXX When I objected, I was told that my service contract with XXXX had been discontinued due to excessively late payments. I explained it was their billing error that made me late and put me behind. The agent check and came back and said, " Yes, I do see where we overcharged you and then the payments started being late. However, I can not do anything about that and the billing will continue to be at the new rate plan '' XXXX said this is fraud your company 's accounting error cause me to get behind in the XXXX place and then you cancel my the rate plan I got with XXXX and say the only way for me to continue is on an increase rate plan or pay a cancellation fee of {$300.00}. The rep said, " Sorry Ma'am, there is nothing I can do ''. This past week ( started XX/XX/XXXX ) I started receiving call from a debt collector saying I now owe {$340.00}.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The collection agency XXXXXXXX XXXX XXXX  has failed to verify this account. The original creditor stated that the account was furnished with an activity date of XX/XX/year>. The balance reporting is also incorrect. I have attached the final account statement from the original creditor showing the activity date and balance. Furthermore, this account has is in a payment plan with the original creditor. I do not owe this alleged debt to this collection agency that is furnishing incorrect information. The credit bureaus are also at fault for reporting false and misleading information. Please remove this inaccurate account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # XXXX XXXXXXXX -XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX there were four pending charges from a company called XXXX, who is a payment partner with a company called Trustly. there were three charges in the amounts of {$100.00} and one was for {$5.00}, totaling {$300.00}. The debt collector XXXX has an outstanding balance of {$320.00}, which includes aThe debt collector XXXX  has an outstanding balance of {$320.00}, which includes a {$20.00} late fee. I immediately called my XXXX XXXX XXXX regarding my checking account. They did an inquiry and said it was some gambling racket. they declined the charges and reversed the pending charges on my bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from the debt collection agency, XXXX And I am trying to resolve it as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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 Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file for the account in question. 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 account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, XXXX 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. These account XXXX XXXX XXXX Account XXXX And one more thing according to 15 USC 1681s-2 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. 

Hard Inquiries 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 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