23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, Experian and XXXX. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both Experian and XXXX was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent Experian a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to XXXX  but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from Experian. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

Experian and XXXX  refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

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

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  XXXX Bankruptcy - XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called kingston Data and Credit and Ive also called XXXX XXXX about the amount of {$950.00}! 

In XXXX I went one times to XXXXXXXX XXXX with a friend and was told I could be a free member being Im going with a friend who is already a member! They told me I had to sign paper work so I can have a key of my own if my friend didnt go! I never got any payments or saw any written paper work saying I was going to have to pay or I would have! So Ive written letters to dispute this charge twice once In XX/XX/XXXX and second one In XXXX, XXXX and still havent gotten no letters back from XXXX XXXX XXXX XXXX! I would like to take this charge off my credit since Ive made effort to take this off my credit! I have even called and reached out and keep getting told I need to call a number and when I call a number nobody answer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Credit card

I have already made a complaint. On XX/XX/XXXX fraudsters called the XXXX number and got my password changed. I received an alert and immediately called Chase. While on the phone with Chase and no access to my account the fraudsters transferred my points. My ccs were all shut down and new numbers were given. I was told I would get the points back. I received a letter from Chase stating I wont get the points back referencing a point transfer in XXXX to XXXX XXXX. I DID NOT INITIATE THE TRANSFER OF POINTS OR RECIEVE ANY BENEFIT FROM THE POINTS! 

I let you know on XXXX the points transfer was not done by me. On XXXX apparently Chase let them go through. Ive attached the emails I received. Again, I did not do this. 

I have spent countless hours fixing a mess the your XXXX number created by giving fraudsters the ability to change my password on an unrecognized device- without my phone number- and invalidating my PIN! Im past angry that CHASE has treated me like this. I expect to be compensated for the time and stress associated with this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX  XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately. Thank you. 
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

To whom it may concern, I recently found out that TransUnion had filed some criminal charges under my consumer file. At first I thought it was only one because last year I had this same issue with another background check services company. Then I was told by a TransUnion representative that there were actually more than one criminal and public records tied to my consumer file. I asked them  for a disclosure of said criminal and public records expecting them to be a case of mistaken identity because I was reassured by the TransUnion representative that they conducted thorough investigations and used several identifiers to select the criminal records. 

However, when I reviewed the disclosure I found that most of these criminal records do not have sufficient pertinent information on them to where these representatives can make a valid judgment on whether or not to place these under my consumer file. I realize that I have a common name and that complicates this process, but there should be standards when it comes to issues like these because people 's lives are at stake. Now I know why I have been having a difficult time finding a decent job since I left the XXXX. It's because companies like TransUnion are not doing their due diligence when conducting their investigations. 

I have a copy of the disclosure that I am willing to provide to back up this complaint. I believe that TransUnion is culpable of negligence when it comes to conducting proper background investigations. They are basing their research on insufficient identifying information, and when they encounter a consumer profile with a common name, their representatives are, either out of neglect or laziness, dumping unwarranted criminal records onto said consumer profiles. 

Very respectfully, The Consumer
Product: Credit card or prepaid card

Very bad experience horrible experience I applied online I was given a reference number to call to process the app I called they refused to process it claimed I will get letter wihh the pin and have to call back letter was never received or mailed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 



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Product: Credit card or prepaid card

I've been with US Bank for several years now and I have establish a business account with them. They offered me a Cash Reward Card which I have since paid off, cut up and no longer will be using the card. However, there is {$21.00} left on the cash reward that the bank is refusing to transfer over to my checking account knowing that I will not be using the card any longer. I didn't ask for a check sent to me, i didn't ask for a gift card to be send to me, I just asked for the {$21.00} to be transferred to my account. Each representative that I speak with tells me that the minimum to withdraw rewards earrings is {$25.00} however, if a person is no longer going to use the credit card, they discarded the credit card, how will the person be able to acquire the remaining {$4.00}?? They will not be, I've the company on several occasions trying to explain my situation to them and they do not care, so I am reaching out to you to see if you can step in and assist. The amount is so minimum, it should be no problem for the company to just transfer the funds ( my money which I earned by using their credit card ) to my checking account. Please assist!
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Mortgage

Arvest Central Mortgage - On XX/XX/XXXX I logged into my online mortgage account with Arvest Central mortgage and noticed my monthly payment amount had increased from {$1600.00} per month to {$1700.00}. This was a shock to me, since originating my loan in XX/XX/XXXX, and since the loan had been placed with Arvest in XX/XX/XXXX my payment has not changed. 

I contacted Arvest and was told there was a lapse in my home owners insurance, as well as an escrow shortage of {$1000.00}. I have no idea why this would be, i have not changed or authorized change on my home insurance ( haven't even contacted them ) or anything else to do with my mortgage/payment since i got the loan. It is my understanding that the monthly payment covers your principal and interest, insurance and taxes ... and that a certain portion is put into an escrow account every month to be disbursed properly throughout the year when items are due ( taxes and insurance ). 

I explained what i understood to Arvest, and requested that they look into why the shortage/lapse occurred .... and advised all i want to know is why my payment increased so much. I made this request on XX/XX/XXXX, and as of today XX/XX/XXXX there has been no resolution, no clear explanation, and certainly no urgency in assisting their customer with something that simply doesn't add up. I do understand payments can increase based on taxes going up, but this doesnt justify {$100.00} increase per month. The difference in the payment seems to be the {$1000.00} from the escrow shortage that they are now trying to recoup through my monthly payment, but why was there a shortage to begin with, nothing changed? 

As im sure whoever is reading this can tell, I'm confused and frustrated. Hopefully the CFPB can help me identify what happened, or get me in contact with someone at Arvest who truly intends to help me. 

I spoke with my insurance company, title company from when i originated the loan, and the original loan company. All indications that I've received point back to Arvest being the responsible party, and the {$1000.00} shortage being caused my some mistake Arvest made. Please help
Product: Vehicle loan or lease

Purchased auto loan on XX/XX/2022 from XXXX dealership in Virginia. I am a resident of the State of Maryland and presented dealership with all documentation ( pay stubs, utility bills, auto insurance, driver 's license ) which reflect Maryland residential status. After reviewing loan documents auto loan interest rate is 28 %. State of MD maximum is XXXX XXXX The total purchase price of the vehicle is {$31000.00} and is financed over a period of 72 months. The approximate payment amount should be {$850.00} instead of {$920.00} ( what finance company, " Exeter '', lists ). Over the life of the loan that is in excess of {$4900.00}. I called Exeter  to explain their error and they agreed I was correct, however, they bounced me back to the dealership. I believe Exeter knowing booked this deal with the higher interest rate. The company is supposed to have a system of checks and balances in place so this would not happen ( XXXX XXXX ). If this has happened to me, and the loan has just been booked ) how many other people has this happened to? The rep was left speechless and could not provide ANY type of response.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX all violated my consumer rights to privacy under The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

These rights were also violated under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, 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.

( 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 not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX - balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, XXXX, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, XXXX to furnish any late payments on my credit report. 
These items on my credit report need to be updated.
Product: Debt collection

Subject : Formal Complaint Against Portfolio Recovery LLC Regarding Collection Attempts for {$5100.00} Debt To Whom It May Concern, I am writing to formally lodge a complaint against Portfolio Recovery LLC regarding their persistent and aggressive attempts to collect a debt totaling {$5100.00} from me. Despite numerous attempts to resolve this matter, I have encountered numerous obstacles and unfair practices on the part of Portfolio Recovery LLC. 

Firstly, I would like to express my disappointment with the lack of transparency and clarity regarding the origin and nature of this debt. Despite my requests for validation of the debt and detailed information regarding its origins, Portfolio Recovery LLC has failed to provide adequate documentation or explanation. 

Furthermore, I am deeply concerned about the tactics employed by Portfolio Recovery LLC in their attempts to collect this debt. I have been subjected to incessant phone calls, letters, and emails, often at inconvenient times and in a harassing manner. These aggressive collection efforts have caused undue stress and anxiety, impacting my well-being and daily life. 

Additionally, I must address the inaccuracies and discrepancies in the information provided by Portfolio Recovery LLC. There have been instances where the amount claimed has fluctuated without explanation, and I have not been provided with a clear breakdown of the charges and fees included in the total amount owed. 

In light of these concerns, I hereby request that Portfolio Recovery LLC cease all collection attempts immediately and provide me with the necessary documentation and information to validate the legitimacy of this debt. Furthermore, I expect a thorough investigation into the practices employed by Portfolio Recovery LLC in handling this matter. 

Failure to address these issues in a timely and satisfactory manner will leave me with no choice but to pursue further legal action to protect my rights and seek resolution. 

I trust that you will take this matter seriously and take prompt action to rectify the situation. 

Sincerely, XXXX XXXX
Product: Debt collection

At XXXX XXXX XXXX XXXX ARS called my brother on his personal cell phone looking for me. That cell phone is not linked to me at all and the only connection is the last name. As far as I'm aware it is illegal for ARS to contact or even threaten to contact friends and family to try to collect on a debt.
Product: Debt collection

Multiple Letters were sent to XXXX XXXX  since XX/XX/year> who have now I assume sold to this company Collection. I am writing to formally dispute a collection entry on my credit report associated with Credit Collection Services ( CCS ) for {$140.00}. This inaccurate entry violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1635 and 1692g. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : I am requesting validation of this debt, including a copy of the assignment contract that grants Credit Collection Services the authority to collect this debt. I have the right to verify the legitimacy of this debt, and I expect a prompt response as mandated by law. 

I would like to remind you of my rights under the FCRA, which entitle me to receive clear and accurate information regarding any collections reported against me. Section 1692g of the Fair Debt Collection Practices Act also requires that debt collectors provide consumers with validation of the debt upon request. 

In light of this, I am requesting the immediate removal of this collection entry from my credit report until proper validation is provided. Failure to comply with this request will leave me with no choice but to escalate the matter further. 

Please send the requested documentation and confirmation of the removal of the collection entry to my email address provided above. I appreciate your prompt attention to this matter and look forward to your reply.