23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX Collections. 

In XXXX and XXXX, I was a tenant at XXXX XXXX XXXX XXXX XXXX During my tenancy, I experienced significant issues, including a missing lease, moldy conditions, and lack of maintenance. Due to these problems, I filed a counter-suit against the apartment complex after receiving an eviction notice. 

Throughout my tenancy, I had extensive communication with the corporate offices of XXXX XXXX XXXX XXXX XXXX documenting my concerns and seeking resolution. Ultimately, the case was settled out of court. 

Despite the settlement, XXXX XXXX has continued to pursue me for payment, claiming that I still owe a balance. This is a violation of the settlement agreement and XXXX also violate the Fair Debt Collection Practices Act. 

XXXX XXXX never contacted me directly before I received the email about the {$0.00} balance. I learned about the debt only after receiving this email and calling the company. This is a violation of 15 U.S.C. 1692e, which requires debt XXXX to provide consumers with a validation notice within five days of their initial communication. 

I am requesting that the CFPB investigate these matters and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, including requiring them to cease all collection activity related to the disputed debt and provide a letter to the credit bureaus to correct any errors on my credit report.
Product: Debt collection

I paid XXXX the owed amount of {$55.00} on XX/XX/XXXX via my bank. 
XXXX will not recognize my payment. Twice I provided XXXX a copy of the cancelled, endorsed check as proof of my payment. I also spoke with a XXXX representative who informed me that my case had been " elevated '' for review. I requested XXXX to stop sending me dunning notices. The representative told me that it was not possible for XXXX to stop sending the dunning notices and I should just ignore any future notices as my matter was in review. Even so, my case was turned over by XXXX to a collection agency, CMC. I spoke with a representative of CMC and explained that I paid the amount on XX/XX/XXXX. She said that I needed to mail XXXX a copy of the check. She was unable to verify my payment. I mailed a copy of the check on XX/XX/XXXX to demonstrate proof of payment.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. This account was opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing this account from my credit history, as this was opened due to identity theft. 

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

I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

Pentagon Federal Credit Union Mortgage has added an {$11000.00} Prepayment penalty to my loan that I am now attempting to refinance. There charge goes against the original contract which stated no prepayment penalty.
Product: Mortgage

1. I filed Case No. XXXX with the CFPB on XX/XX/2016 which is pending, and to which this complaint relates. 
2. The essence of that complaint is that Wells Fargo Home Mortgage sent me a notice out of the blue requiring me to show proof of flood insurance on a house that has had a mortgage on it for 10 years, and that sits in the middle of the XXXX, well out of any FEMA designated flood zone. 
3. I called WFHM twice on the number indicated on their demand letter, requesting written proof indicating the notice was sent in error. Each time I was assured the notice was sent in error, and that a letter confirming this would be forthcoming. No letter, email or other written documentation on which I can rely has ever been sent. 
4. In response to the request for something in writing, rather than doing that, WFHM had somebody named XXXX call and leave messages three times. In these messages he says he has gotten my " inquiry '' ( the CFPB complaint ) and invites me to call him. Nothing else. 
5. Because I am currently XXXX miles from home, lending support to my wife, who is in turn comforting her youngest sister who is XXXX, I have not spoken to XXXX. 
6. On XX/XX/2016, XXXX filed a response to my CFPB complaint, stating he has been unable to contact me, that he continues to do " research '' into my complaint, and that he and WFHM need 60 days to sort things out. 
7. This is the identical delaying response WFHM gave 4 years ago to the CFPB when they attempted to charge me a higher than advertised interest rate on a refi of this loan. ( Case No. XXXX ) 8. There is no " research '' to be done. The property is not in a flood zone. I need written documentation so that the sort of brain damage we are currently going through can be completely avoided in the future. 
9. There is no need for XXXX or anyone else at WFHM to contact me. I have the computer generated demand letter WFHM sent to me on XX/XX/2016, and nothing else to provide them. All information necessary to resolve this issue is available to XXXX. 
10. WFHM required a mountain of written documentation from me to secure and refi this loan. I want a one sentence letter, not a phone call, so the next time this issue arises, it can be resolved without recourse to the CFPB, or other outside agency. 
11. XXXX and WFHM are wasting resources, time, and whatever shred of credibility they might have by engaging in these bullying tactics.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credit. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Det ( FCRA ) to Conduct a reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Alleging Systemic ISsues such as Failing to Forward consumer-provided evidence to Fumisters Accepting unreliable responses And XXXX to adequately notify consumers of dispute outcomes. These Failures align with my experiences, where XXXX has neither connected nor removed disputed items despite the evidence I Provided causing ongoing harm to my credit Standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I lost my home over 6 years ago. When I purchase my home Countrywide ( now Bank of America ) Gave me 2 loans, after I lost my home because my payment increases to over XXXX a month and the bank did n't want to help me. Now bank of america is still charging me for the second loan. Since this was a purchase money second I 'm requesting your help to update balance to {$0.00}
Product: Credit reporting or other personal consumer reports

In 2022, I have contacted CFPB regarding my inability to access Equifax 's online dispute center. Shortly after contacting CFPB, I was able to access Equifax 's dispute field without any further issue. Now, however, I am dealing with the same problem as I did in 2022. For the past week, each day ( multiple times a day ) I've been logging into Equifax trying to dispute incorrect information on my report. With each attempt, this message is displayed : We are temporarily unable to complete this request. Please try again later. 

I am now permanently XXXX. My student loans have been XXXX due to my XXXX but Equifax is still reporting this inaccuracy. I wanted to submit documents to support my claim, but, as mentioned, Equifax is not accepting disputes. I had no issues submitting and resolving disputes with XXXX or XXXX. 

After doing some research online, blocking the dispute center seems to be a normal practice that is often exercised by Equifax. This behavior is extremely unfair to consumers like myself- especially those with XXXX whose capabilities are limited.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO EQUIFAX, XXXX, AND XXXX. I EVEN CALLED EQUIFAX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. EQUIFAX EMPLOYEE : XXXX EMPLOYEE # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This company calls constantly! They are trying to reach XXXX XXXX who divorced from the XXXX Family more than 20 years ago. She has our number listed on a number of bad transactions. XXXX remarried several years ago, but we don't know her last name. She lives in XXXX, NV. We would like all these harassing calls to stop! The XXXX debt collectors were extremely rude and aggressive. Since they are calling about something that is not even our business, we would like to lodge a complaint against them.
Product: Debt collection

I dont know who that company is and i request information from them never respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, Equifax, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

Louisiana Recovery Services continues to call me from spoofing numbers. I have asked them to verify the debt and I am cursed out. They last called XX/XX/23 at XXXX hours through a spoofed phone number. 

I inform them that I do not acknowledge the debt, it is not mine and they said " You will pay up XXXX XXXX or we will sue you '' They keep calling, ignoring my no contact order. 

Please make them stop.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I identified inaccurate information related to a Capital One account on my credit report. This information negatively affected my credit score and my ability to secure financial products. 
I then filed a formal dispute with the credit reporting agencies ( such as [ XXXX XXXX XXXX providing clear documentation of the inaccuracies.

According to the FCRA, once a consumer disputes an item on their credit report, the credit reporting agencies are required to notify the furnisher of the information ( in this case, Capital One ). I have reason to believe that the credit reporting agencies properly notified Capital One of my dispute as required. 
Despite this notification, Capital One failed to investigate the dispute or provide accurate updates to the credit reporting agencies. As of today, the inaccurate information remains on my credit report. 
As a result, I initiated a legal claim against Capital One in federal court under 15 U.S.C. 1681s-2 ( b ). Capital One received the complaint through a process server XX/XX/year> but has not yet responded to the lawsuit. 

Due to Capital Ones failure to investigate and correct the inaccuracies on my credit report, I have suffered financial harm, including : A reduction in my credit score.

Denial of credit applications and unfavorable loan termsXXXX XXXX XXXX  and frustration caused by Capital Ones lack of response to my legal dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Blocked, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App Failed to take timely and effective measures to prevent and address Fraud on their platform, Leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA, ) and Regulation E.These actions have caused significant inconvenience and Financial loss, and seek appropriate redress for these violations.
Product: Student loan

I've been trying to deal with Navient since before the recent settlement. I was talking to an attorney several months ago and they encouraged me to contact Navient to get a listing of my loans from the first lender up until the current lender. This would include the history of the loans including what organizations and when the loans were sold to subsequent lenders and for how much and then finally to Navient. I also wanted to find out how much each lender along the way received from me and how much I was subsequently charged along the way. 
I tried contacting Navient a number of times but the person on the other end didn't know who I should talk to or how. I finally was able to reach someone on XX/XX/XXXX at the " Department of Education '' who said he could get me this list/letter and this would go out to me within 30 days. This gentleman is named " XXXX '' -- employee number XXXX. When I didn't receive this letter as promised, I tried to get back in touch and was unable to reach him, or anyone for that matter. On XX/XX/XXXX I was able to reach someone named " XXXX '' who informed me that I needed to make the request again through the " Washington Department '' which I did on XX/XX/XXXX. I finally reached a woman who didn't seem to know what I was talking about and was referred to the National Student Loan Database and was then referred to the Student Loan Support Center. There I filed a complaint that was reviewed within the 15 day window and they referred me to CFPB. 
In addition, recently after my Income Based Repayment Plan was due for renewal, I was quoted a monthly amount that was disproportionately higher than what I had been paying last year. From XX/XX/XXXX to XX/XX/XXXX I was quoted various amounts from the young people on the other end of the call, seemingly depending on who I reached. In fact, this seemed to be the case throughout the history of my loans. Depending who I would reach on the other end of the line, the amounts due could be different. " XXXX '' ( mentioned above ) was able to readjust my amount after my wife and I sent in proof of income documents. Throughout the course of my loan repayments, I was also regularly and cursorily offered loan forbearences with a short one sentence, rote request for my confirmation. Apparently I didn't understand the actual terms of these forbearences and was basically trying to survive financially. 
I currently owe over {$270000.00} in student loan debt, despite paying since the 2000 's. Without the information I requested, I have no idea if this is a legitimate amount or not, especially given Navient 's history.
Product: Debt collection

In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from XXXX attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called Pinnacle credit services not the actual original creditor XXXX. The letter states Pinnacle owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to XXXX XXXX or Pinnacle. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 6 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. 

Thank you