23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2017 I received a letter in the mail with no return address on it. I opened it it was papers copied from a letter from the courts. It appeared bogus a scare tactic to collect a debt. I tried calling but got no response back. I tried emailing got response back, with a number to call. When I called it was a fax number. Previously before I tried to pay back this debt. But the gentleman I dealt with at XXXX XXXX XXXX did not want to negotiate. Months passed maybe a year. Then I receive this in the mail. My complaint is if I am going to be sued I am supposed to get papers delivered by a constable from the courts. I never did.At home or where I work. The number I researched online came back as a SCAM. That's why I did not respond back.

three months later they are garnishing wages from my paychecks. When the original debt was less than {$500.00}.

This organization should follow rules, It appears they did not.

If this issue is not resolved I will have to go to the local media to see if they can investigate.
Product: Credit reporting or other personal consumer reports

They fraudulently sold me a truck that was in an accident and never reported it to XXXX. They maliciously defrauded me and I have proof. They call me more than ten times a day during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the XXXX court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this XXXX with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following XXXX  from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am a holder of American Express Gold Personal ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) and Business ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) Credit Cards. Although I have been an AMEX customer since XXXX, I am new to the American Express Membership Rewards ( MR ) program. On XX/XX/XXXX, I initiated my first attempted use of my MR points by transferring XXXX points to my XXXX XXXX XXXX ( XXXX ) account # XXXX. I was unsuccessful in the attempted transfer and received a message indicating that my transfer was blocked because of attempted illegal transfer to an unauthorized party or an attempt to sell my rewards points. I subsequently attempted another transfer from my spouse and authorized user, XXXX XXXX and received the same error message. I immediately contacted both AMEX Business Gold Card Customer Service and XXXX and have tried to resolve the matter, receiving conflicting information. I was informed that the issue may have been because of my mispelled last name on my Business Gold Card ( XXXX XXXX XXXX XXXX which has been corrected and I have new AMEX card on the way but am stil unable to transfer my MR points. I was also initially informed by an AMEX supervisor on XX/XX/XXXX that my experience was due to a temporary glitch that AMEX was experiencing and should be resolved in 48-72 hours. Only after multiple follow up calls was I informed that my account was under internal review and all I could do was wait for a call from their department. In the meantime, XXXX does not allow placing itineraries on hold and I risk not being able to utilize my points for my desired flights At my last contact with AMEX, the case was finally escalated with a case file of XXXX. Additionally, I have not been given a timeline within which I can expect case resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report it is showing old information that was already removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment. 


Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 
Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 
Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute.
Product: Mortgage

i submitted 2 times for a modification. They will not accept my husbands income.he lives with me and he contributes his salary. This is contrary to policy ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy and according to 15 USC 1681eb they are supposed to ensure this 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.

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.

I have also requested proof of delinquency & have gotten no response while reaching out for my late payments to be adjusted and brought up to date. I have explained what happened multiple times.
Product: Credit reporting or other personal consumer reports

please check the information concerning the experian data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company for many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SOURCE RECVB, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is a direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Information Practices Act, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Information Practices Act, provides protections for consumers against unauthorized disclosure of personal information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SOURCE RECVB to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Information Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

I have had my VA mortgage on my home for about ten years, for about the past two years My Loan Care LLC. has unfortunataly been the mortgae handler on my home loan. I have had to interact with them before in the past over the phone and I must say that after long wait times I was greated by customer service reps. that didn't even have command of the English language and completely ignorant. Last XX/XX/XXXX I was awarded by the State of Pennsylvania total real estate tax exemption for being a XXXX XXXX XXXX  XXXX veteran, this means that I no longer have to pay county property tax, school taxes and state property taxes. 
Both the state and the VA provided me with the paperwork/documents to submit to My Loan Care that instructs them to no longer collect tax escrow on my mortgae. As of today My Loan Care LLC has still NOT adjusted my mortgae payment or refunded my escrow balance. I have made conatct with them over the phone and the reps simply refuse to explain the delay or even to tell me if they are working on it? They refuse to connect or transfer me to their tax escrow department. I was told by a rep that the documents that I have submitted are not official and " good enough '' I have had to contact a VA official for help, yesterday he told me that My Loan Care isn't even responding to his communication efforts. This particular mortgage handler seems to have a horrible reputation in the industry and I can see why. I have to continue to make my non adjusted mortgage payments that does not reflect my real estate tax exemption which is about {$600.00} more than it should be.
Product: Credit card or prepaid card

Good Morning, For the last 3 days I have been unable to access funds on my card. I initially attempted to withdraw money from an ATM that I have utilized numerous times. According to the e-mail sent by pre-paid card company ( XXXX  ) it got flagged as suspicious activity. They sent me an e-mail ( no text ) notifying me of denial and prompted me to call them by phone. For the last 3 days I have made repeated calls at all hours of the days, been on hold for over 12 hours, and been unsuccessful in establishing contact. While on hold, automated operator insists that issue may be simply resolved by responding to e-mail or text but no text was received and e-mail specifically instructs that a phone call be placed to them. They have no e-mail I can directly respond to so issue can be resolved or grievance made. This has happened on numerous occasions and ever since they started their text resolution system, their phone operators do not respond. 


This is not the first time this happens. It has happened numerous times at ATM locations that have been utilized numerous times. Back then ( 6 months ago ) phone calls were placed and eventually answer ed but no specific reason as to why it was flagged or why it was considered suspicious activity. Their representatives are not very knowledgable about their product and appear to reading of a prompt. No financial institution should have the right to block access to a persons funds without a. justifiable reason and when called on it, not respond. I understand safeguards should be in place to attempt and protect their cardholders but those safeguards should not cause unforeseen hardship and lost time. This is ridiculous. How can they block access to funds without providing a justifiable explanation as to why something was flagged as suspicious activity? They should compensate their clients for every hour of wait time they have to go through attempting to establish contact due to their problematic system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX : {$580.00} XXXX  XXXX : {$460.00} XXXX XXXX : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX and Experian are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.
Product: Mortgage

XX/XX/2017 Ditech Rep. told me not to pay so i could apply for LMOD, I applied 8 times, HAMP 4, HARP1, FLEXMOD 3 times, never revived an answer on any FLEXMOD applications, and the others it was always the same excuse, documents missing and I always re-sent them, my calls have been handled wrong and research department has never responded to my request for investigation, and please dont just send me to them, this is my 3rd complaint with you, also I wasnt served a motion to sell 120, so that i could plead my case to a judge, i until all my court summons run out to save my house that I have worked so hard for
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. XXXX keeps disregarding crucial legal regulations 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ) and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

1. ) XXXX XXXX  XXXX [ XXXX  ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 2. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 3. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 4. ) XXXX XXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 5. ) XXXX  [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS 6. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS 7. ) XXXX  [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, ANOTHER TENANT BECAME A SQUATTER AFTER I MOVED OUT AND DAMAGED THE APARTMENT AFTER I WAS GONE AND THEY HELD ME RESPONSIBLE! 

8. ) XXXX XXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, I RETURNED ALL EQUIPMENT Below you will find impermissible hard inquiries on my credit report that I never signed paperwork authorizing them : 1. ) XXXX XX/XX/XXXX TransUnion 2. ) XXXX XXXX XX/XX/XXXX TransUnion 3. ) XXXX XX/XX/XXXX TransUnion 4. ) XXXX XX/XX/XXXX TransUnion 5. ) XXXX XX/XX/XXXX TransUnion 6. ) XXXX XX/XX/XXXX TransUnion 7. ) XXXX XX/XX/XXXX TransUnion 8. ) XXXX XXXX XX/XX/XXXX TransUnion 9. ) XXXX XXXX  XX/XX/XXXX TransUnion
Product: Checking or savings account

On XX/XX/2022... XXXX XXXX fraud my cheking acount in the amount of {$31.00}... I submitted a dispute with chime Bank to remove the charges and investigate ... chime completed thier investigation sayin this is a valid charge... I told them in my report that the company contact info is invalid the website they reported is fraud ... chime did not state in their report that they were able to contact XXXX XXXX to validate the charges instead they kept the charges on my account ... chime need to do better investigating... for now I am stuck with fraud charges on my account that I did not authorize... I also submitted fraud report on identity theft website
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I have occurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with 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 transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of the incorrect amount to XXXX XXXX XXXX, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXXSent Mail & called regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974,
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I make payments to Navient for my Federal student loans. I have not missed a payment in over 2 years. I submitted a payment from my checking account on XXXX XXXX ( as I have done every month prior and every month since ) but my payment, which was withdrawn from my checking account, was never applied to my Navient account. I discovered this error in XX/XX/XXXX and called Navient to correct it. I was told that I needed to submit a copy of my bank statement verifying that the payment was withdrawn from my account in order for them to correct the issue. I sent the statement the same day. I checked my account for weeks and the payment had still not been applied. I called XX/XX/XXXX and was told that they could see my bank statement and the payment should be applied within 10 business days. It never happened. I submitted a written inquiry a couple of weeks ago and, last Thursday I received correspondence stating that they have my bank statement but are still unable to locate my payment in their system and I now need to send additional documentation proving that the payment was withdrawn from my account. In the meantime, all of my other payments have been received but my account still shows as 30 days delinquent due to a " glitch '' in their system. They are causing damage to my credit report and the " delinquent '' payment is racking up late fees. Their customer service is horrible and I am concerned that this problem will never be fixed.