23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Product: Vehicle loan or lease

I received a letter from Wells Fargo claiming an auto loan application was opened under my name. They also requested my credit score from XXXX without my consent. I never opened an auto loan application with Wells Fargo. 

When I called Wells Fargo to investigate what was going on, they wanted all manner of personally identifiable information before they would proceed to answer my questions. I refused to give them my Social Security number, and they said they could not help me. The call ended there.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : -XX/XX/XXXX Incorrect Current Address : - XXXX XXXXXX/XX/XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX below are the Accounts that are being challenged XXXX - XXXX Listed below are XXXX Collections that are being challenged XX/XX/XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Student loan

MOHELA is my student loan servicer and they have been unreachable since they launched their new servicing portal. I tried to use my old log-in and was told to make a new account. Once I made the new account, I still could not log in. 

I have called MOHELA once a week, every week, for XXXX  months trying to get connected with a representative to make my payments. Each time the call is disconnected by the company after approximately XXXX minutes of being on hold. 

They are still sending me monthly emails letting me know that my payments are late, but will not give me a way to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I requested for XXXX XXXX account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent at least three letters to XXXX, Experian, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Product: Checking or savings account

I walked in my bank Citibank to transfer money from my account. They ( specifically the branch manager XXXX XXXX and bank teller XXXX XXXX from branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave me a hard time to complete my transaction. I believe they treated me poorly and suspiciously because of my race. The amount was substantial and they I believe they thought the transaction was fraudulent because of my race. They had no other reason to treat me the way they did. It took over 2 hours for them to finally agree to process my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, Equifax, and XXXX the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX  has 4 days to remove them!!!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am contacting you about my social security number being compromised. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an attached FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately! 

XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately!
Product: Student loan

Called on XX/XX/22 and requested refund of payments made during XXXX pause. XXXX was finally increased on XX/XX/22. Refund should have been in the amount of {$6100.00}, instead it was in the amount of {$4600.00}. Refund was short {$1500.00}. These were the payments made to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore eligible for payment refund. 

I have called and talked to several different people at MOHELA and been on hold for hours for a supervisor and no one seems to know anything about this and/or why the refund wasn't processed correctly.
Product: Debt collection

My credit which has always been great acutely dropped late last summer. XXXX was showing an account from XXXX XXXX XXXX. This is not and never was mine. I called XXXX XXXX and told them this and the account was closed. Fast forward months later and I keep getting harassing phone calls from a debt collector named XXXX XXXX. His number originally was a number from XXXX NC. Now it is coming from XXXX ext, XXXX. I have not engaged with this XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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. 
JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$6000.00} Status Account charged off. {$6000.00} written off. {$6000.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b ) JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian is supporting XXXX XXXX on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing XXXX XXXX to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! XXXX XXXX.
Product: Mortgage

I'm XXXX and have had many home loans in my life. I have paid all of them off per the terms of my loans. I have one left, and that is my home equity loan with USAA who was servicing it in-house until recently when the transferred it to a disreputable company known as XXXX ( XXXX XXXX XXXX ). This company has been sued numerous times including by 3 states. 

I called USAA and asked them to audit my account because of the improprieties I was seeing with the balances. It appears that XXXX has begun calculating my interest daily which is not consistent with the terms of my loan. My loan is a 365/365 loan with interest of 6.34 %. They should be using the EXACT DAYS method of interest calculation, instead of DAILY interest. 

I have never taken out a loan that did not follow a standard amortization schedule of declining interest payments and increasing principal payments. I have requested the amortization schedule they are using, but have received nothing. 

Could you please assist me in getting resolution of this issue? I am very uncomfortable with the company USAA has chosen and not sure what is happening to the company with which I have placed 40 years of trust. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, XXXX, TransUnion ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check Transunion account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

The account has been settled, and there is no outstanding balance, yet your bureau continues to report late payments, which is not only misleading but also damaging to my creditworthiness. I insist that you promptly remove the inaccurate late payment information from my credit report and update the account status to accurately reflect its closed and paid status. 
XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter to rectify the inaccuracies on my credit report. It is unacceptable that your bureau is failing to reflect the true status of this account, especially when other credit bureaus have successfully updated their reports in accordance with the accurate information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and Experian, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
Product: Credit reporting or other personal consumer reports

As I previously stated, you have not received and provided me with any proof that you have my written consent or instructions relating TO ANYTHING ON MY CONSUMER REPORT. This directly goes against PERMISSIBLE PURPOSE, WHICH IS LOCATED IN 15 U.S.C. 1681b AND IT STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

PLEASE BE MINDFUL, THAT IF AT ANYTIME AN ACCOUNT THAT CAME FROM IDENTITY THEFT ( WHICH IS LISTED IN THIS DOCUMENT AND ALL OTHER ATTACHMENTS ) APPEARS AGAIN ON MY CONSUMER REPORT, I WILL BE SEEKING {$5000.00} PER ACCOUNT OR PER VIOLATION UNDER 15 U.S.C. 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

I am dissatisfied with your claims and am challenging them due to the lack of substantial evidence to support your stance. I strongly encourage you to dispute this representation. Otherwise, I will take legal action against you. Let 's make it absolutely clear : I am a victim of identity theft, and it's an extremely distressing situation that no one should experience. Instead of finding assistance and understanding from your organization, I've encountered apathy and disrespect. Who do you think you are to dismiss my complaint as if it's inconsequential? Your dismissive attitude is not acceptable. I am the one grappling with the nightmare of unauthorized accounts and financial chaos, not you. I demand that you take my identity theft report seriously and initiate a comprehensive investigation without further delays. 

XXXX XXXX XXXX
Product: Debt collection

RECEIVED A PHONE CALL FROM XXXX XXXX AT XXXX XXXX XXXX ON XX/XX/2018. GAVE THE FAIR DEBT " THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE ''. SHE INFORMED ME THAT UNLESS I PAY {$470.00} THAT DAY THE ACCOUNT WILL BE REPORTED TO THE CREDIT BUREAU. I INQUIRED WHERE THIS ACCOUNT CAME FROM, I RECEIVED NO NOTIFICATION OF THE DEBT FROM THEIR COMPANY AND HAD NO CHANCE TO REQUEST COMPLETE DOCUMENTATION/ITEMIZATION FROM THEM TO DISPUTE. SHE GAVE ME AN ADDRESS OF XXXX XXXX XXXX XXXX OHIO XXXX, MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX AND VERBALLY INFORMED HER I AM DISPUTING THE VALIDITY OF THE DEBT, IF THEY ARE TO REPORT IT TO THE CREDIT BUREAU THEY WILL REPORT IT AS DISPUTED, AND AM REQUESTING ITEMIZATION SENT TO MY XXXX OHIO ADDRESS.
Product: Debt collection

I am a consumer. There is not a third party representing me. I have explained to Experian that I am not liable to pay this debt from XXXX XXXX XXXX XXXX they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company XXXX XXXX XXXX XXXX has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Experian as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Experian has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Experian is in violation of several laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Experian immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Experian is in violation of the FCRA. I demand that Experian delete this stated fraudulent debt from my credit profile immediately.