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

After examining my credit report, I identified several billing mistakes. The late payments do not align with my typical payment history.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate 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 XXXX  the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against Equifax for its failure to comply with consumer protection laws. 
In light of these violations, I am formally requesting that you take immediate action to address this matter. Equifaxs failure to conduct a proper investigation not only impacts my creditworthiness but also undermines consumer confidence in the credit reporting system as a whole. Under the FCRA, I am entitled to a comprehensive review of any disputes I've raised, along with relevant supporting documentation demonstrating how Equifax arrived at its conclusions regarding the accuracy of my credit report. 
Furthermore, I urge you to investigate whether Equifax has adequately trained its personnel to comply with the legal requirements set forth in the FCRA and CFPA, as well as whether they have established sufficient procedures to ensure that consumer disputes are handled appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Equifax failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Equifax more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 Seperate occations over the last 4 Month I have requested that equifax fix all late payments tha are showing on XXXX as these have never been paid late. I never even got a response at all to the last letter I sent Certified mail on XX/XX/10.
Product: Mortgage

We had our Mortgage moved to Roundpoint Mortgage Servicing Company ( XXXX XXXX XXXX, XXXX XXXX SC. XXXX. XXXX ) It has been roughly 3 years that we have dealt with above company and every year they continue to misappropriate funds from us indicating they have had to purchase Flood Insurance for our Condo in Florida. We have our own Flood Insurance through our HOA for the Condo and we have the HOA send the certificate of Flood Insurance to the Mortgage  Company. This issue again surfaced in XXXX and the same outcome occurred and we were charged roughly $ XXXXmo or about $ XXXX/yr. This amount was added to our Mortgage Payment as Lender Forced Flood Insurance.

We verified that our HOA has had continued Flood coverage for the policy since XXXX and the Certificates of Insurance have been available and on file. We really need help to prevent this company from continuing to misappropriate funds from their  customers. 

We also would like to know who they use to procure this flood insurance since the cost of $ XXXX/year seems totally ridicules based on the typical cost of flood insurance ( if it was needed ). We really believe their is consumer fraud occurring in this area and it needs to be investigated Thank you for your help
Product: Credit card

I am disputing the collection account with AFFIRM INC, account number XXXX XX/XX/2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AFFIRM INC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of inquires below have violated my federally protected consumer rights to confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX .I looked at my Equifax credit report on 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. In general after any reinvestigation under paragraph ( 1 ) of any disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiate, based on the results of the reinvestigation and 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 information is inaccurate
Product: Credit card or prepaid card

I paid off the balance on my card on XX/XX/2022. Since then I have been charged a {$1.00} " minimum interest '' fee which I did not know about and assumed my balance was XXXX. Because of this I then received several late fees of {$16.00}. Which adds up to quite a sum. I have now cancelled my card but still would like to report this predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has willingly committed identity theft and further dug me into the ground by defaming my character. Lexis Nexis has reported information regarding my XXXX  XXXX bankruptcy, that was not provided to them by me, the consumer, nor were they given written permission to store and report my personal information. The FL Bankruptcy court clerk has stated that the court only files this information with XXXX. XXXX states that NO PERSONAL INFORMATION IS SHARED WITH OR SOLD OR RENTED TO ANY THIRD PARTIES. So how did you get this information, Lexis Nexis?! This matter has now escalated because three other credit reporting agencies that also commit identity theft and steal personal consumer information, has now joined the party with you of defaming my character by reporting this information that they received from your company. I do not take defamation lightly due to the impact it can and has caused my family and personal affairs.
Product: Debt collection

I am a victim of identity theft. Someone opened a fraudulent account in my name. I need help getting it removed. The debt collectors name is Midland Funding LLC. They are listed on my XXXX XXXX credit report. Can you help me get this removed from my credit report.
Product: Debt collection

I received a letter from Midland on  XXXX / XXXX / XXXX  and asked them to validate an old cc collection that they stated I was owed. I had previously asked for validation before and all I received was a statement on  XXXX / XXXX / XXXX . I proceeded to send a debt validation letter on  XXXX / XXXX / XXXX  that asked them to tell me what the money I owed was for, to show me how they calculated what I owed, to give me copies of any paperwork that showed I agreed to pay them what I owed, to give me copies of any contract that I had with them that contained my signature stating what I owed, to show me that they were licensed to collect in TN, and to stop contacting me regarding this issue until I received all of the above information. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt that they say I owe. I requested proof that I am indeed the party that Midland is requesting to pay this debt and that there is some contractual obligation that is binding me to pay this debt. The request for validation is made pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA. Being that Midland did not respond, they are in violation of the FDCPA.
Product: Credit reporting

I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees, I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initially available funds. I believe despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Prepaid card

I have many transactions that I need to dispute and they are not doing so. They have a " policy '' of up to 45 days of investigation and are completely closing them. Some transactions were completed and credited back into my account from the same merchant and others weren't. I reopened the same transactions and they completely closed the investigation and permanently closed my account without my permission. I received emails saying if I didn't request to call immediately. I called and was told it was permanently closed. I received an email after calling telling them they are in violation and were giving me a XXXX XXXX XXXX write a letter regarding my account. I have had this account for over 10 years and I do not appreciate them closing my account
Product: Debt collection

This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS
Product: Credit reporting

In XXXX of 2015, I began an investigation of XXXX with ExperianSPECIAL SERVICES REP named " XXXX '' .I uploaded proof to XXXX and lateruploaded a letter ( attatched here ) summarizing the dispute.According to FCRA, I disputed the account as inaccurate/incomplete and according to law was specific. 
After investigation the account does not contain a " date of XXXX delinquency '', there is no " date closed '', the amount paid on " date of last payment '' is not zero.THE WRONGFUL REPORTING causes the fico score to calculate the last time late as about 2 yearswhen it is about XXXX years.In addition the creditor amounts due are usurious, excessiveand illegal according to the 2009 CREDIT CARD ACT.EXPERIAN VIOLATESREPORTING LAW AND THEREBY COLLUDES WITH THE CREDITOR. 
I HAVE RETAINED AN ATTORNEY TO HANDLE THE CREDITOR AND EXPERIAN.
Product: Credit reporting

I first requested my free yearly credit report from the government web site in XXXX 2016. Experian said they did n't understand my request. 
I just today made my 3rd request for that same first report.Experian is again asking for ID I have already provided twice before. Can you help me get my reports from these XXXX? 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the letters.
Product: Mortgage

Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX. 
XXXX ( the XXXX ), which involved me making deposits for a total amount of XXXX my Coinbase account to a fraudulent investment firm ( XXXX ).
Product: Credit card

Elan Cardmember Services applied payments that exceed the minimum to new promotional balance vs old promotional balance.
Product: Credit reporting or other personal consumer reports

To whom it may concern, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error on my credit report for my BEST BUY credit card on the month of XX/XX/year>. Specifically, I dispute the reported 30 days late amount of {$4.00}, this incident has dropped my score drastically by XXXX points. I acknowledge this was a genuine oversight on my part. I want to emphasize that missing this payment was an honest accident, and I have an otherwise impeccable payment history. I have never missed a payment, let alone one of such a small amount. This isolated incident is not representative of my creditworthiness, and I believe it is crucial that this error is corrected to reflect my true credit history. I kindly request that you investigate this matter and remove the error as soon as possible. I would appreciate it if you could provide me with an updated copy of my credit report once the error has been corrected.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Student loan

I took out a student loan in 2008 with Salle Mae. I am dealing with Navient currently and am trying to understand why I have made over 90 payments and my balance is more than when I started! I understand that I have an 8 % interest rate, however, I also understand that I have other loans that have similar interest rates and the balances always go down.

What is happening here? Also, I am make XXXX payments monthly so something seems illegal.

I can't get any help!
Product: Bank account or service

I get XXXX and get a monthly stipend around XXXX and I have the Prepaid card that is only a direct deposit way of funding my account. I tried to get another account privately and because I live in DE they would not open an savings account. There is a PNC Bank right down the street from me, XXXX I can walk to it to save bus fare and I tried too open a savings account and because of what XXXX said on it 's report PNC would n't open account. There are other banks but not that close, I like to do everything online and use less stamps to mail something when we have email. It has been three months since I asked for an appeal from XXXX or show me where they made the decision. I feel I will be embarrassed at every financial institution and because of that I have not tried other banks but when I hear a response from you guys I will do nothing. Please talk to PNC or XXXX and tell me why they said no. Thank you for your time.