23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I already have a complaint filed. The company, Penny Mac, specifically their VP called me on Tuesday, XX/XX/XXXX at roughly XXXX est, his name is XXXX XXXX. He indicated he knew about the complaint and blew it off and said, " we get these all the time ''. He also asked me not to file complaints with the CFPB and to only talk to him. I indicated I already tried that for 5 months and can not find resolution and that I will continue to file complaints until they get this done. 

I do not believe they should be indicating that complaints are common and that they happen all the time, but he should not be asking me to not work with you. 

He tried on several occasions during the call to turn the blame on me where I had to correct him. 

I also indicated to him that because of the banks XXXX up, a new appraisal had to be done and this cheated me out of roughly {$100.00} per month due a different appraisal amount impacting the PMI. In addition, I have been paying the old rate for an additional two months I should not have been.
Product: Credit reporting or other personal consumer reports

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-CAPITAL ONE # XXXX ( XXXX  ) XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

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. 
Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX of XXXX XXXX, Account name : # XXXX of XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX  XXXX, Account name : # XXXX XXXX XXXX IN XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports
Product: Checking or savings account

I am writing to formally lodge a complaint against SoFi regarding their failure to deposit {$5000.00} into my savings account, which was expected on XX/XX/2024. Despite my numerous attempts to resolve this issue directly with SoFi, there has been no satisfactory resolution, and the funds have not been deposited as promised.

This failure has caused significant financial distress, as I rely on these funds for essential expenses.

Additionally, due to the inability to access these funds, I have incurred further costs, which I believe SoFi should be held responsible for. Specifically, I am requesting compensation for the following : {$100.00} for the inability to remove items from a storage unit {$36.00} for transportation to work {$12.00} for XXXX hour of labor lost due to this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help
Product: Debt collection

The was saying I have a balance of XXXX to XXXX. I have no idea about this account. I have not used XXXX XXXX over 2 years
Product: Credit reporting or other personal consumer reports

I am writing to dispute the illegal reporting of my student loans, in violation of 15 U.S. Code 1650 ,15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1681B. This matter has come to my attention through a recent review of my credit report, in which I discovered inaccuracies that have adversely affected my credit standing. 


According to federal law, creditors must provide accurate and complete information to credit reporting agencies. However, I have reason to believe that your company failed to follow these guidelines when reporting information related to my student loans. The inaccurate reporting has led to negative consequences for me, including damage to my credit score and potential obstacles in obtaining credit in the future. 


I kindly request that you investigate this matter further and take the necessary steps to correct the inaccurate reporting of my student loans. I am reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), as it is my right to ensure that my credit information is reported accurately and fairly. 


Please provide me with a written response outlining the steps you intend to take to address this dispute within 7 days. Failure to take corrective action in a timely manner will result in further legal action on my part to protect my rights and seek appropriate remedies. 


Thank you for your prompt attention to this matter. I look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Debt collection

EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.
Product: Credit reporting or other personal consumer reports

Omission of accounts that negatively affect the accuracy of my credit history, I request your intervention to investigate this situation and update my report with the correct information. Below XXXX detail the relevant information about the five ( 5 ) accounts that are not reflected in my credit report : * XXXX XXXX. account number : XXXX * XXXX XXXXXXXX XXXX. account number : XXXX XXXX XXXX XXXX * XXXX XXXXXXXX. account number : XXXX XXXX XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Product: Credit reporting or other personal consumer reports

Company was sent email and certified letter requesting validation of account and official notice of account in Dispute on XX/XX/XXXX with no response. Company does not have a direct number to discuss issues with an account status. Company continues to report fraudulently on my personal consumer report without consent nor providing validation information. I am a victim of identity theft and do not believe this account belongs to me
Product: Bank account or service

TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.
Product: Debt collection

In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.
Product: Debt collection

XXXX sent an account that was credit of identity theft to collection company XXXXr for {$1800.00} it was placed on my credit I contacted them and advised them this was incorrect and was a case of identity theft filed a complaint with my old email to CFPB and provided police report and ftc report they removed all for them to now come back with a different collection agency and place the same debt on my report again sources receivables acct number XXXX this was needs to be removed immediately its the same debt that has already been verified as identity theft and removed
Product: Mortgage

I have 2 mortgages with PHH Mortgage on two 3-family homes. That is my life savings/retirement plan and I am XXXX years old. Due to the COVID-19 virus, most or all of my tenants have been laid off and will not be able to pay their rent, which means I won't be able to pay my mortgages. 

I called PHH and the ONLY thing they can offer is a 3 month forbearance. On the 4th month I would have to pay all 4 months of rent. This is not helpful! None of my tenants will be able make up the rents, therefore, I won't be able to pay the 4 months of mortgage payments. This is a program I can not sign onto which means I can't pay my monthly mortgage, my credit score will significantly drop and I might lose my properties. Also, I have no idea if things will be better in 3-4 months. No one does. 

On a further note, my wife and I started a new business 1 year ago last week. It was doing great! Due to the corona virus our business dropped way off and we had to lay off all of our XXXX employees, which is heartbreaking for us. In addition, we no longer have any income from this business. I'm afraid we will lose everything. 

I'd appreciate any feedback or assistance you can provide. I'm sure I'm in the same boat as millions of other people.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corp. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by credit acceptance and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/2023 and this is still on my credit report
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 fundings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unjustifiable and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Capital One has sold my account ( # XXXX ) to XXXX XXXX XXXX XXXX. But Capital One is still reporting this account on my credit file XXXX  XXXX and XXXX as a charge off. The information on this account do not match, date of last activity are inaccurate. Further more Capital One no longer owns this account so it must not be reported by them and deleted or removed from my credit file permanently. Pls investigate and send me any updated information on this complaint. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Actually this is withdraw my previous complaint against ad astra, I apologize for receiving the letter that they sent not on time due to illnesses, so please disregard my last complaint and once again I apologize, they acted well and professional. Thanks
Product: Credit reporting or other personal consumer reports

These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a mail to Equifax stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

They have failed to answer me on time, and it has been 30 days. 

1. This account is not mine XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

2. This account is past the ten years mark/No late payment XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

3. This account was never late XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove immediately 4. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

6. This account is not mine XXXX # XXXX Date open : XX/XX/XXXX Please remove immediately 7. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

8. Victim of natural disaster/XXXX/In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a factXXXX XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit card

Midland Funding LLC purchased a debt from XXXX and brought legal actions to recover the alleged debt. The case was dismissed on XXXX XXXX, 2012. However, Midland Funding LLC continues to report this on my credit report as if this matter is in collection alluding there is still a debt of {$7200.00}.