23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. Thanks
Product: Debt collection

Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 perso
n 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case!
Product: Debt collection

My daughter received a call today and a text message stating ( XX/XX/XXXX, XXXX XXXX ) XXXX is intended for XXXX XXXX. We have received a complaint in our office, then you as a respondent. It is imperative we hear from you immediately if you desire to handle this matter voluntarily. The mediation department at phone number XXXX. If you fail to respond, we will assume you are waiving your rights to voluntary restitution and move forward without your inputs legally. 
that is my maiden name. I have not gone by that in 10 years. The address they have is almost XXXX XXXX XXXX and I only lived there for a year. I dont know what debt they are talking about They said I could be charged with bank fraud? They sent me this email. I tried looking at the business. It doesnt seem to exist XXXX XXXX XXXX. 
XXXX Department * XXXX XXXX XXXX XXXX Ga, XXXX Tel : XXXX XX/XX/XXXX XXXX XXXX Lender : APPROVED CASH Original Creditor Number : XXXX Reference Number : XXXX Balance Due : {$1300.00} Dear XXXX XXXX XXXX Our records show that your previous account was left with an outstanding balance that is currently in the amount of {$1300.00}. 

To avoid forfeiting your rights to mediate, please remit your response today regarding this urgent matter. You can contact our offices today to submit your final intent on the balance amount above, to resolve your past due account. This requires your prompt attention ; continued disregard of this matter is not advised. 

If you have any questions, or would like additional information regarding your delinquent account, please contact our offices immediately. 

Sincerely, Account XXXX XXXX XXXX XXXX. 




Notice to California Consumers : The state XXXX Fair Debt Collection Practices Act, and the XXXX XXXX Debt Collections Practices Act require that, except for unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of XXXX or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. Collectors may contact another person to confirm your location or enforce judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

For More information about the COLORADO FAIR DEBT COLLECTION PRACTICES ACT, see www.coloradoattorneygeneral.gov/ca. 

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have unauthorized accounts on my report. Pursuant to 15 usc 1681a3 they assu.ed this role without my permission or my consent. 

They did not have permissible purpose pursuant to 15 usc 1681b2. I did not instruct them to furnish the report and I never consented to it.

Pursuant to 15 usc 1681a4 they did not respect my right to privacy. They did not exercise their grave responsibility, were unfair & partial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In XXXX of 2021 I refinanced my VA loan, and Union Home Mortgage became the servicer. In XXXX of 2021 they remitted a payment for my property insurance from the Escrow account for {$2100.00}. In XXXX of 2021 they again remitted a payment for my property insurance for {$2200.00}. 

In XXXX of 2021 I was notified of an Escrow analysis that expected me to pay {$3500.00} up front or an increased monthly payment my {$400.00} due to an Escrow deficit. 

The only deficit is from Union Home Mortgage negligently mishandling my Escrow account, and now they expect me to pay a higher monthly payment as a result. I have put back the refund provided to me by my insurance company for the additional payment, but Union Home Mortgage still expects me to pay the errantly higher payment until they can do another Escrow review. This is an unsavory business practice where I pay for their incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding unauthorized hard inquiries on my credit report from XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX  ). These inquiries were not authorized by me and are negatively affecting my credit score.

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquiry Date : [ XXXX ] XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Inquiry Date : [ XXXX ] A

ccording to the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be included on my credit report. I have contacted Experian to dispute these inquiries, but they remain unresolved. I kindly request that the CFPB investigate this matter to ensure compliance with the FCRA and the accuracy of my credit report. Thank you for your attention to this issue. 

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Best Egg XXXXXXXX, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal complaint against Experian, XXXX, and XXXX regarding inaccurate reporting of the XXXX XXXX XXXX referenced by account number XXXX. This account is reporting inconsistently and inaccurately across the XXXX credit bureaus, and these inaccuracies are causing significant harm to my financial standing and jeopardizing my ability to purchase a home. 

The inaccuracies in question involve the following details : Date Reported Date Last Verified Date Opened Date Closed Date of Last Payment Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers of information are required to report accurate and complete information to credit bureaus. However, The XXXX bureaus have failed to meet this obligation, as demonstrated by the discrepancies in the reported information. These inconsistencies are directly affecting my creditworthiness, approval ratings, and overall financial stability. 

I have made diligent efforts to resolve this issue, including contacting XXXX XXXX and disputing the account with the credit bureaus, but no corrective action has been taken. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and continues to cause me undue financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX account was setup through XXXX XXXX Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. 

Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX  and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX XXXX Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, and XXXX XXXX  XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX XXXX XXXXd ( 2 different cards ) XXXX XXXX XXXX XXXX XXXX ( 2 different cards ) XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

When I bought my house i put the order for internet service when the guy came, he was charging me amount {$350.00} something that was cancelled but he didn't care what I told him. Them I called XXXX XXXX told them that order was cancelled few days ago, and they said that they will uncharged that and now i am a collection for something I never agreed to pay and to do anything on my house. This is unacceptable charge
Product: Debt collection

I currently have an outstanding balance with the company. On XX/XX/XXXX, I entered into a payment agreement with the company, agreeing to pay {$59.00} per month until the outstanding amount of {$1200.00} was resolved in full. I did this with the full intention of paying more than was necessary so as to pay down the debt quicker. After this payment plan was established, I began receiving monthly bills from the company despite my paying each month. 

On XX/XX/XXXX I received a final notice requiring me to pay the amount of {$230.00} for services provided on XX/XX/XXXX. A payment satisfying the amount was made on XX/XX/XXXX. On XX/XX/XXXX I received a second final notice requiring me to pay the amount of {$110.00} for services provided on XX/XX/XXXX. I mailed a check to the company on XX/XX/XXXX for the full amount. On the same day, I received a letter dated XX/XX/XXXX from Credit Collection Services saying that the company had transferred my debt in the amount of {$230.00} to their collections service. The debt is for services provided on XX/XX/XXXX. In spite of the fact that I paid the full balance required of me, the company transferred my debt to a collections agency and continues to send me final notices via mail, despite my continued repayment of the debt. 

I called the company on XX/XX/XXXX looking for a resolution to the issue. A company customer service representative informed me that, while they would open an investigation into my issue, they could not guarantee the collections transfer would not impact my credit score or account standing. I was given a case number and told to call the collections agency, that they would be able to address my concerns. Upon calling the agency, I was placed on hold for 45 minutes and then told that their service center had closed for the day. While the company has told me that they would communicate the error to the collections agency, I currently have no way of ensuring that is the case as the representative I spoke with stated that the company does not provide written proof of the communications or proof of payment to the customer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the bureaus for failing to comply with 15 USC 1681i ( investigation of disputed information ), 15 USC 1681e ( b ) ( accuracy of information ), and other related provisions of the Fair Credit Reporting Act. Despite sending multiple letters requesting investigation and correction of inaccuracies on my credit report, they have not complied with my requests.

Additionally, I recently learned that the CFPB has filed a lawsuit against Experian and XXXX for similar actions, citing their failure to properly investigate credit report disputes and their failure to remove or correct errors. I believe this is directly applicable to my case, as I have experienced similar issues, including inaccuracies that remain uncorrected despite my efforts. on multiple accounts these accounts appear on my report multiple times. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I was sent a modification agreement by Ocwen. I completed the agreement and was told foreclosure was stopped. Discussions were misleading about a foreclosure hearing for another 30 days after foreclosure had occurred. Finally 30 days after the hearing had occurred and I had been discussing my loan modification they still said I could go to the hear. I have voice recording telling me the hearing was the next day at XXXX. I went to court on that day and time. I was told and found out the hearing had already occurred 30 days earlier. The house had already been foreclosed. I did not get to go to the hearing neither pursue other legal remedies.