23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient also does not allow borrowers like myself to autopay more on their loans. I have complained to them before but have never received a response. You can only pay the minimum amount which also benefits them over time.
Product: Credit reporting or other personal consumer reports

Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. 
I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Account : XXXX XXXX Management Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$32000.00}
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX XXXX. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) BK OF 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 AND MORE .... 
The credit report was run from XXXX XXXX XXXX Equifax shows Name XXXX XXXX XXXX XXXX not my name ) and SSN is not my SSN. 
I go online to get free credit report, Equifax and XXXX  ask me some security questions and said I should send mail or call. I call Equifax, the customer service asks me the security question and say they can not help me. I sent mail to Equifax on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like Equifax and XXXX  fix problems immediately
Product: Mortgage

Our new mortgage service, NationStar Mortgage, ever since they became our servicer, we are constantly harassed that our mortgage payment is either late or not received complete. When not only do we pay our mortgage on time, but above of what is actually due, so extra funds can go to principal. 

This is an occurrence we now have to deal with in a monthly bases, as every month we are getting harassed by NationStart collections, every time we make a payment. And every time they apologize with telling us it was their mistake ... But every month we hear from them again ... 
We will like to enjoy our home as we are suppose to in piece ... not constantly being harassed, put under stressed and deteriorate our health ... .due to stress ...
Product: Credit card or prepaid card

Upgrade is the creditor that I took a personal loan out on and I have the two line of credit or credit cards. I have not used these cards for a while and they both are reporting balances which is incorrect. Both of the credit cards have a zero balance on them. This is causing many many issues with my credit report and it's extremely hard to get the company to correct this information. I am left to file a complaint with CFPB in order to assist me. Please update the credit report and correct the balances on these line of credit credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.
Product: Debt collection

Identity Theft/Fraud Rental Property - Unauthorized use of my name and information to obtain rental property. Debt collection past due of {$2100.00}. 

I checked my credit report associated with my XXXX XXXX credit card cell phone app, where I discovered activity stating I had a derogatory account with Rent Recovery Solutions in the amount of {$2100.00}. Upon calling the provided phone number, ( XXXX ) XXXX, they confirmed the following : Collection Agency : Rent Recovery Solutions Account Number : XXXX Reporting Agency : XXXX XXXX XXXX XXXX Unit Number : XXXX Fraud Rental Property Address : XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date Opened : XX/XX/2020 Past Due Collection Amount : {$2100.00} Admin fee : {$120.00} Unauthorized pet fee : {$1000.00} Compensation : {$50.00} Lawn care : {$150.00} Repairs : {$360.00} Carpet : {$140.00} House cleaning : {$300.00} *Stated they paid application fee and deposit *No ID on file *Found property online I did not action/authorize the use of my name/information for this rental property. This is fraud/identity theft and I wish to dispute this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX  XXXX regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$7200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} UNAUTHORIZED XXXX - XXXX - XX/XX/XXXX - {$100.00}
Product: Checking or savings account

Account with Regions bank opened in my name on XXXXXXXX XXXX with account number ending in XXXX. 

My name and email address were on the email sent by regions. When I attempted to seek help at regions they did verify my social and date of birth were used to peon the account but refused to close it.
Product: Checking or savings account

I get nothing but fraud on this account. Two weeks again, I got more fraud and have yet to hear from them. 

I recently did a transfer from paypal to TD of {$400.00}. TD Bank reversed it back to XXXX but the money never went there. The money vanished and TD Bank took it from me. XXXX claims no money was reversed and it doesn't even show me that on my paypal account. On XXXX it shows I did a transfer to TD Bank I spoke to a TD agent to file a dispute and she filed it for me. 

Turns out today, the agent claims at TD nothing was filed as a dispute. So the entire XXXX mins of that phone call, she just acted and lied to me? Why is TD Bank not being honest with me, lying to me on the phone and stealing my money over a transfer? 

I did research on the apple fraud of the specific phone number and it's a con artist criminal. Anybody with a keyboard and research can see this but TD is somehow protecting criminal con artists that commit fraud. I WONDER WHY I'LL MAKE THIS VERY CLEAR. PEOPLE DON'T STEAL FROM ME. I FIGHT AND FIGHT AND FIGHT TIL I WIN SO EXPECT A LOT OF TROUBLES COMING YOUR WAY XXXX XXXX ALL THE PROOF IN THE WORLD TO DEFEND MY CASE. 

TD BANK HAS NOTHING!!! 

SO LETS DO THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal, and non-verbal per 15 U.S.C 6802. Also, I've included 16 CFR 313.7
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX, we were finally approved for a XXXX XXXX modification after the attorney sent Flagstar Bank several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a XXXX XXXXXXXX permanent modification. We paid all of our payments on time yet Flagstar bank continues to report I was late all the way to XX/XX/2016 which is incorrect. There was {$16000.00} that were put as a balloon payment in the modification so they were not suppose to be reporting anything late.
Product: Checking or savings account

Capital One can not process direct deposits already made employers to its employees which prevents impacted individuals from accessing their wages. 

Capital One is blaming a third party processor but there was no redundancy and no detailed timeline provided to customers. This is preventing bill pay and paying for other services like rent, groceries, and utilities to other service providers. Communication took over 24h and no effort has been made to provide detailed resolution timeline or offer anything in return. I am missing part of my paycheck because capital one can not handle my deposit. This is unacceptable as a regulated bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX, XXXX, and Equifax 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 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 or 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 data is inaccurate.
Product: Mortgage

cross country mortgage will not stop calling me after i submitted an inquiry for a heloc. I have asked them no less than 4 times to remove me from their list and stop calling. I have already closed on a heloc with another lender.
Product: Debt collection

I purchased an item on XXXX in XXXXXXXX XXXX XXXX that was drop shipped from XXXX, the manufacturer. It was free shipping through XXXX, but needed to go by freight. XXXX was used. Either the seller, XXXX, or XXXX mistakenly had the paperwork billing me for the drop shipped item from XXXX. I received a bill from XXXX in XXXXXXXX XXXX XXXX  for the freight costs. I contacted XXXX directly on XX/XX/year> and the issue was considered resolved after i spoke to someone saying that i was mistakenly being billed. A confirmation number of XXXX was provided. However I received a collections notice from Biehl & Biehl on XX/XX/XXXX stating I needed to pay the debt in 45 days. I responded per their written instructions to email supporting documentation. I provided the relevant documentation and who owes the debt. I have emailed them 7 times, 7 days from each previous email, each time requesting confirmation of receipt and status. I have received no response. I would like to attach a PDF of all of these emails. They stated there was a 45 day window for me to pay this debt, which I do not owe. I provided them with just over 45 days to respond out of fairness.
Product: Credit reporting or other personal consumer reports

I just received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXXXXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above.

I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans-union because i received an alert saying my score went down by 51 points, according to XXXX XXXX it says nothing has changed on my report. I called trans-union and they claim the score is XXXX XXXX when i asked for my true score with trans-union they refuse to give it to me unless i pay, when i asked for a copy of my credit file they said they were unable to give me the report because i filed a dispute. the disputed account has already been removed from all my other bureaus except for them they keep coming back saying its correct when all the other companies agreed its not and the creditor agreed to remove it from my account. 

so basically they lowered my score 51 points for no documented reason, refuse to go over my credit score and refused to provide me with a report to explain why they lowered my score. they're baiscally acting like a mafia holding my credit report hostage while they make unfounded and undocumented changes I feel like i'm being blackmailed into paying for my own information, this should not be allowed it's my information!!!!
Product: Credit card or prepaid card

My card was stolen in XX/XX/2023 and I disputed the charges four times everytime they denied it they have no documentation to support why they keep denying me they basically just don't want to uphold American express zero liability fraud protection terms and it is really sad they even suspended my account saying that I am submitting to many claims but all my claims are for the same transactions that is fraudulent I really need help getting my money back this is against the law American express serve should be ashamed
Product: Debt collection

This is a medical debt, starting XX/XX/XXXX this debt will have to be removed as it is below the {$500.00} threshold. I am hoping you will request that they remove now since we are so close to the XXXX of the year
Product: Debt collection

This was placed on credit previously and removed now account placed on credit again request account to be removed immediately. Account was paid by XXXX XXXX XXXX XXXX already. Please review attached forms