23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise data that customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

Everyone can use the accessible software that I used to write and generate my letters. Should you decide not to respond to or handle my correspondence, you are in violation of 15 U.S. Code 5 1681i. Furthermore, it is illegal to postpone answering customer letters on the grounds that help from a third party might be possible. There isn't a legal exemption to this. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

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. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$1300.00}
Product: Mortgage

Effective XX/XX/XXXX my mortgage company XXXX XXXX XXXX XXXX was purchased by LoanCare , LLC. With XXXX XXXX my due date was the XXXX of every month and considered late after the XXXX of each month. In XXXX & XXXX of XXXX I was charged fees for late payment, however both payments were made and posted before the XXXX of each month. I recently heard through an employee of FDIC that mortgage companies can not assess those type of fees on assumed loans with out the proper notification to the home owner. 
So, I reached out to my " new '' mortgage company XX/XX/XXXX requesting a refund of the {$15.00} assessed late fees ( {$5.00} in XXXX & {$10.00} in XXXX XXXX. 
In response to my complaint I received an emailed copy of their payment fee schedule they took from their website showing the following information : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system is {$12.00} at any time. 
All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

In the original paperwork I received about the transfer of mortgage companies there was nothing highlighted or printed in bold describing the change to my new mortgage payment schedule nor did I sign any document showing I was aware of the LoanCare 's payment fee policy. I feel this company 's practices are both deceptive and unfair. They clearly did not address my refund request and overall I feel taken advantage of by LoanCare , LLC. I understand that it is only {$15.00} but I can't imagine how much money they have made by taking advantage of former XXXX XXXX customers who didn't speak out about this deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX cell phone, the phone 's ESN # XXXX, the SIM # XXXX for {$310.00} thru a special XXXX XXXX XXXX promotion ( if customer signs with XXXX XXXX XXXX ) from XXXX XXXX XXXX in XXXX XXXX, CA. 

XXXX XXXX XXXX rep called XXXX XXXX XXXX and setup acct # XXXX and for 2 hours was unsuccessful to keep/transfer my business cell phone number. The rep gave me my purchased cell phone and stated I could try on my own. I visited two XXXX XXXX XXXX stores and then called customer support and technical support in which all attempts still unsuccessful to transfer my cell number. 
Within 8 days ( including XXXX XXXX and XXXXXXXX XXXX has a 14 day return policy ), I returned the cell phone onXX/XX/XXXXand was refunded and was told the XXXX XXXX XXXX acct was cancelled since I did not use the cell phone. From XX/XX/XXXX thru present, I continued to receive XXXX XXXX XXXX billing for XXXX. I called and explained, no change. I then sent all receipts, notes to explain I did not have any type of account with XXXX & XXXX I am now being mail abused by many different creditors as well as XXXX XXXX XXXX to pay {$100.00} that I do not owe. 
XXXX XXXX XXXX has placed this debt on my credit report and I disputed but still received collection letters. I ask that the CFPB investigate XXXX XXXX XXXX for fraud charging and unfair practices against the consumer. Thank you.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Product: Debt collection

( a ) Not more than five days after the initial communication with a debtor in connection with the collection of any debt, a consumer collection agency shall, unless the following information is contained in the initial communication or the debtor has paid the debt, send the debtor a written notice containing : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the debtor, not more than thirty days after receipt of the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed to be valid by the consumer collection agency ; ( 4 ) A statement that if the debtor notifies the consumer collection agency in writing within the thirty-day period that the debt or any portion thereof is disputed, the consumer collection agency will obtain verification of the debt or a copy of a judgment against the debtor and a copy of such verification or judgment will be mailed to the debtor by the consumer collection agency ; and ( 5 ) A statement that, upon the debtor 's written request, not more than thirty days after receipt of the notice, the consumer collection agency will provide the debtor with the name and address of the original creditor, if different from the current creditor.

( b ) If the debtor notifies the consumer collection agency in writing not more than thirty days after the time prescribed in subsection ( a ) of this section that the debt or any portion thereof is disputed, or that the debtor requests the name and address of the original creditor, the consumer collection agency shall cease collection of the debt or any disputed portion thereof until the consumer collection agency obtains verification of the debt or a copy of a judgment or the name and address of the original creditor and a copy of such verification or judgment, or the name and address of the original creditor is mailed to the debtor by the consumer collection agency. 
( c ) The failure of a debtor to dispute the validity of a debt under this section shall not be deemed an admission of liability by the debtor. 
( d ) This section shall not apply to the collection of property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$6700.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

I had a SBA Loan deposited in my citibank account. After a few days use of online purchases Citibank froze my card without a phone call explaining why. I found out at an atm when trying to withdraw money for gas and called their fraud department whom later explained my account was frozen and I needed to go into a bank to prove it was me who requested this deposit which was IN MY NAME which matches my account. They told me once documents were submitted I would either receive a personal phone call or have access to my debit card for use. Here comes over 5-7 business days mind you after submitting my documents to a branch in XXXX XXXX XXXX  CA whose manager whose very kind named XXXX Assisted me and there has yet to be this phone call or yet access to my account. Various representatives have sent various emails to this " back unit '' to whom have NOT called, replied to their emails, or given me access to MY card with MY funds yet. NO response, just that I'm still under review when I personally submitted documents that were emailed by a branch manager and its surpassed this amount of business days and MY LOAN IN MY NAME is on hold.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE FRAUD ALERT FROM MY CREDIT REPORT.
Product: Debt collection

On XXXX/XXXX/XXXX, I arranged my payment due to Wells Fargo Dealer services in the amount of {$930.00} to be drafted out of my account today, XXXX/XXXX/XXXX. This payment is in reference to transaction number XXXX. I received a missed call and voicemail today, XXXX/XXXX/XXXX from XXXX at XXXX PST from a woman named XXXX with Wells Fargo Dealer Services saying that she was calling to collect a debt in reference to my car payment. This is a formal complaint against Wells Fargo Dealer services for calling me when I already had a payment scheduled three days ago. 

Also, I returned XXXX 's call immediately and while I was on the phone verifying my information, I discovered that Wells Fargo Dealer services had the WRONG ADDRESS and WRONG PHONE NUMBER associated with my account. They had my address listed as XXXX XXXX XXXX XXXX, which is not my address, and the phone number XXXX as my phone number on file which has never been my phone number.
Product: Money transfer, virtual currency, or money service

I recieved my tax refund XXXX on XX/XX/year>. It was deposited into my XXXX  account. I used XXXX of it. The next day I tried using my XXXX card and the transaction was declined. They sent a email stating that there was unusual activity and my account had been frozen and that I had send them verification of my identity. I sent them a picture of my i.d . to verify who I was. They then canceled my account permanently and told me I would have to wait XXXX days to get my money back. 
My wife and I have used XXXX for years and had no problems. They have basically stole our money.
Product: Debt collection

On XX/XX/year> after a temporary restraining order was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came outside around XXXXXXXX XXXX  and noticed that my car had been stolen and turns out that employees from Toyota Financial Services had a tow truck driver who did not have any business logo on displayed on an all black dark tinted window tow truck come unto private property where there were no trespass signs posted to steal my property without serving me with a court order warrant to seize my property, without properly notifying me pursuant to state law and without litigation. I need the name of the tow truck company, the name of the tow truck employee who can be seen on video stealing my property and the address of the tow truck company. Employees at Toyota Financial Services or any of its entities can not obstruct justice because theres a lawsuit which has been filed at the XXXXXXXX XXXX Federal District Court.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I recently discovered that I have been a victim of identity theft, and as a result, several inquiries have been made without my knowledge or consent.

I have never applied for credit or authorized these companies to access my credit file. These inquiries are a direct result of fraudulent activity, and I kindly request their immediate removal from my credit report.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution.
Product: Vehicle loan or lease

United auto credit was made aware of my financial hardships and still wouldn't lower payments and would not work with me to catch up my account. So I decided to petition for bankruptcy and once I did I was still harassed and threatened by the company. They also refused to take my credit card and bank account payment so I could catch the account up, and said that I could only use a debit card.
Product: Credit card or prepaid card

On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX that informed me my application was declined. So I called about this because I have never filed an application with this company. The lady on the phone told me that on the application they didn't get my social security number correct so that's why it was denied. My address was correct and my date of birth was correct. So someone tried to open up a XXXX credit card in my name. So glad they paid attention to the social security number.
Product: Student loan

I attended the University of XXXX XXXX between XXXX and XXXX. I paid off my loan in XXXX. In XXXX XXXX, I received a XXXX for reduction of debt, supposedly on XXXX. However, I never received any information about this previously nor did I receive a reimbursement for the amount in the XXXX. Discover has been " investigating for 2 weeks, but has no answers. See the uploaded file for the complete story.
Product: Student loan

i've tried numerous times with navient to pay student loans. I have been unemployed a few times over the years, and when I have made minimal money, Navient has claimed they would help me as a pay as I go or Repaye, however, because my wife and I file jointly, we " make '' enough money to be able to pay the rates, however when they say {$500.00} per month, that is absurd and nearly impossible with a house payment, car payments, living expenses, card payments and to take care of two daughters, one which has special needs, and the other is an infant. When I have said I can not pay it, they have put it on deferment or forbearance, however I apparently have used all the time for both options, so I have no alternatives but to pay minimal {$100.00} every other month or so until I have a steady source of income.
Product: Checking or savings account

In short, American Express closed my savings account with {$150.00} in funds I was able to recover {$50.00} that was sent from my XXXXXXXX XXXX account. I also had {$90.00} I sent from my XXXX XXXX  account but XXXX will not recall funds nor do they have the option to for transactions that arent fraudulent. So in my case Amex wont issue a check for some reason to the address on file & XXXX quite literally cant do anything. My money cant just sit there thats theft at that point they have no system in place to get me my funds. Both accounts in which I sent money from My XXXX XXXX  and XXXX  checking accounts are in my name XXXX XXXX XXXX. So Im not sure how they came to the conclusion that someone else opened my account and transferred funds from accounts in my name totaling a mere {$150.00}. This info is shown in the photo Ive attached below from American Express.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and Experian continue to report an allege debt that I do not owe. Before reporting this debt each company was required by federal law to send a notice for me to opt and and dispute this information before adding it to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose