23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, Mr.CooperXXXX was XXXX victim '' to a cyber attack. Considering that most cyber attacks are found AFTER that attack has occured or while complete system malfunction is occuring, I doubt this happened recently. If they did catch it while it was occuring, it's already too late and their systems are completely and totally compromised That being said, the servicing websites to pay my loan are now completely defunct. The company will not change interest rates, or charge late fees on payments, however this will probably take months to completely resolve. 

I currently can not pay my loan WHILE INTEREST IS STILL ACCRUING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Monroe & Main a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a formal complaint against Experian. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I & # 39 ; ve sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it & # 39 ; s all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 
2. There is one account, in particular which they just refuse to investigate XXXX XXXX, yet they turn around and tell me that this account was verified by the Creditor. However, I & # 39 ; ve contacted the creditor and they have no record of a dispute verification request from this or any other agency regarding an account for me. 
3. I & # 39 ; ve actually disputed with XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I & # 39 ; m even in dispute with them via XXXX XXXX XXXX XXXX. And I & # 39 ; ve sent every piece of proof that Experian could possibly need to correct this erroneous information on my credit report, yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by this credit reporting agency and I also feel as though they are supporting the reporting of erroneous information on my credit file because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they & # 39 ; re simply ignoring the proof that I & # 39 ; ve sent them. 
I & # 39 ; m well aware of the thousands of other complaints against this agency on a daily basis. 
So my question is, where does it stop? And does your commission know about the feature they have in their & quot ; electronic verification process & quot ; known as a & quot ; reply all & quot ; function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It & # 39 ; s right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I & # 39 ; m requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there & # 39 ; s anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 




Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting

In my credit reports it has me as having multiple identities. My Name is XXXX XXXX but also comes up as XXXX XXXX.
Product: Debt collection

Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.
Product: Debt collection

I set up re-occuring payments, the debt collector agreed to the amount I could pay. I previously had payments set up on hold with them, my debt with them increased in amount so I called back and set up a larger amount bi-weekly. The debt collector said they canceled my old payments on hold, Instead they ran XXXX payments thru my checking account. The old amount & the new amount, resulting in double payments being drafted thru my checking account without my consent.
Product: Credit reporting

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where 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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller claimed to be with XXXX XXXX and I had to call another number to find out that Im supposed to have defaulted on credit with XXXX XXXX  XXXX. Threatened me with court. 
I have never even purchased anything from XXXX XXXX  XXXX much less had credit with them. Call came from this number : XXXX which doesnt answer. 
I check my credit report and theres never been anything to show up to do with XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

In late XXXX and early XX/XX/2021, I sold XXXX video game consoles to someone named XXXX XXXX on XXXX XXXX. The consoles were paid for through PayPal because XXXX doesnt allow for $ XXXX shipping transactions. I corresponded solely with XXXX XXXX on XXXX for the sale of all XXXX consoles. He gave me XXXX separate PayPal emails to request from over the period of business, and all requests were fulfilled loading the full balances below into my accounts. The XXXX transactions are from my personal PayPal ( XXXX ) and my fathers account for the XXXX transactions ( XXXX ) because my account wasnt letting me send money because of an address change at the time. 

Transactions : XX/XX/2021 for {$760.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX I shipped all XXXX consoles to the same address for XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These are the tracking numbers for each of the shipments : Shipments for XXXX XXXX, XXXX XXXX and XXXX XXXX had these tracking numbers ( not sure which is which ) : XXXX Tracking number : XXXX XXXX Tracking number : XXXX XXXX Tracking number : XXXX Shipment for XXXX XXXX and XXXX XXXX ( XXXX consoles shipped together ) : XXXX Tracking number : XXXX XXXX by XXXX the buyers raised disputes, holding the money from me and were all decided in the buyers favor by the buyers financial institution, removing each balance from the PayPal accounts. Each dispute notes mine and my fathers XXXX XXXX though we didnt receive any help after submitting tracking details, conversations with the buyer and even evidence that XXXX of the PayPal XXXX I dealt with no longer was a valid email. 

In addition, PayPal took another {$15.00} for each of the XXXX transactions for dispute fees because we lost the dispute. 

In summary, money was requested from the PayPal accounts provided to me by XXXX XXXX. The money was sent to me in PayPal. I shipped the consoles as promised and they were all delivered. Once received, the customers disputed the charge with their financial institution and PayPal told me that there was nothing they could do with helping as it was the buyers financial institution. I also spoke with representatives from PayPal numerous times ( was also disconnected after waiting on the phone ) and they said that they could escalate but upon following up then was told that they could not do anything to help. 

I am attaching conversations with XXXX XXXX and XXXX XXXX. Tracking numbers can also be checked.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes XXXX business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in XXXX business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Product: Debt collection

I am disputing a credit card lawsuit with the plaintiff as XXXX XXXX being represented by Weltman Weinberg & Reis. I was served papers by the county Sheriff around XX/XX/XXXX with a motion to sue stating that I owe a balance of XXXX but the paperwork did not have an itemized breakdown. I responded back within the 20 days given asking for validation of the debt. However I did not hear back from the law firm again until XX/XX/XXXX with a motion to move the court case to my current county of residence. At this time, I asked a lawyer for help with whom I thought had settled the case due to the lawyer finding discrepancies in the paperwork and process. However in XX/XX/XXXX I received another motion from the creditor asking for a judgement in the court for the amount of XXXX ( a change in the amount owed ). This time the paperwork included more information however the itemized statements still do not add up to XXXX and are not easily legible. Also the paperwork has an address that I have never lived at. I responded to this motion as well and recently received paperwork stating that I now have a court date set for XX/XX/XXXX. 

I am not aware of the date that this credit card was opened and the amount owed has shifted from XXXX to XXXX. I received a response from law firm of the debt being validated but never received proof of the debt such as original contract with signature and a complete list of itemized charges totaling the alleged amount owed. I attempted to call XXXX XXXX XX/XX/XXXX but they stated the account is being held by Weltman, Weinberg & Ries. XXXX XXXX did offer to open a dispute due to the discrepancies however someone recommended to put a complaint in with CFPB due to in the past the law firm has taken over 1 year to respond to previous request and I now have a court date set.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card

I have a quicksilver Capital one master card. I was trying to pay it off because of the high interest percentage rate. Capital one refused to give me a lower rate, even though I have never missed a payment, and have paid the card off more than once. So, I got a XXXX XXXX  flex card with a XXXX percent interest rate to pay the capital one card off. It paid the card off on XX/XX/XXXX, XXXX day after my payment of {$130.00} went through. So, because XXXX XXXX  did not pay the balance before the payment due date, it was an overpayment. Capital One, now says I owe another {$75.00} in interest from XX/XX/XXXX, to XX/XX/XXXX is {$75.00}. They say that my payment did not include that amount, as they are a month behind and that the interest I just got charged was for the next month. This does not sound right to me, I think I got charged an extra month that I should not be paying. I cancelled the card on either the XXXX or XXXX of XXXX. Could someone from your office please check into this matter? I do not believe what they are telling me.
Product: Debt collection

I have a medical bill in collection From XXXX XXXX XXXX XXXX that they billed to the incorrect insurance. I spoke to them about this before they transffered the debt to collections. It has been transffered to 2 different agencies. I have spoken to both of them to put in a request to XXXX XXXX XXXX cause this was billed incorrectly. uy the XXXX and the collections agency that represent them refuse to validate the debt and get the original billing issue corrected I would like this removed from my Credit. The collection agencies are telling me even though XXXX XXXX XXXX has made an error they can n o go back and correct I would like this removed from my credit Thank you. its for XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX information break.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT #, XXXX, HAS VIOLATED MY RIGHTS. F 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 XXXX  XXXX WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact credit bureaus about unauthorized inquiries no help at all inquires are as listed ... 

XXXX XXXX/XXXX  XXXXXXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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
Product: Credit card or prepaid card

Upon further review it has come to my attention that I have been victimized by identity theft. I never authorized these transactions and what is reflecting on my end is inaccurate. Please contact the vendors and investigate such occurrence. I am requesting that collection and reporting efforts cease expeditiously.In addition, as a part of your investigation, please send the names, business address and phone numbers of those who made unauthorized purchases so i may contact them directly! I sent them a copy of the police report from the XXXX XXXX Sheriffs Office in conjunction with my dispute letter and lastly my identification theft report with the Federal Trade Commission. Also,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 financial institution/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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting the following amounts to XXXX, XXXX, XXXX, XXXX XXXX. {$19000.00}, {$5300.00}, {$8900.00}, {$10000.00} and {$36000.00}. 15 USC 6802 states financial institutions may not disclose nonpublic information to a non affiliated third party Navy Federal has not given me the consumer in writing or electronically any disclosures stating that my personal information would be disclosed.