23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX from XXXX XXXX Department ( XXXX ) called a family member on XX/XX/year> and left a message with information pertaining to a personal matter that did not involve that family member. My family member 's voicemail clearly states their name which is not even close to mine, but she proceeded to leave a voicemail going into detail about a personal matter that does not involve said family member. XXXX XXXX then proceeded to call my brother on that same day, XX/XX/year>, and left a similar voicemail. 

XXXX XXXX XXXX reached out to this same family member back on XX/XX/year> and I spoke to XXXX at XXXX XXXX XXXX on XX/XX/year> at approx. XXXX, who was at the time, working on the same personal matter as XXXX XXXX XXXX to not call any of my family members going forward. I do not know the relationship between XXXX XXXX at XXXX XXXX Department and XXXX XXXX XXXX ( XXXX ) but they continue ( despite me asking them not to ) call and harass my family members. They all have my contact information but still choose to reach out to my family members after me telling them not to. 

I want the original creditor XXXX XXXX held accountable too because they are retaining these companies to seek out and harass my family which is unacceptable. I have kept records of all interactions between both companies and can furnish whatever proof is needed upon request. This is my final attempt to make these harassment calls stop, my next step is consulting an attorney.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 714,719, I presume that no proof of the alleged debt, nor therefore, and such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I filed an online complaint on XX/XX/year> and on XX/XX/year> concerning the Truth In Lending Act ( TILA ) for the following entities XXXX XXXX XXXX XXXX XXXX XXXX Infiniti, Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the " Federal Reserve Consumer Help '' ( FRCH ) at www.FederalReserveConsumerHelp.gov concerning organizations that are subject to oversight by federal agencies that enforce consumer protection laws and regulations. The nature of the complaint concerned overstated/understated APR/Finance Charges in violation of the TILA. 

I received an email response on XX/XX/year> from FRCH that combined my separate complaints. What was even more concerning was that the acknowledgement email came from " XXXX '', which is not a .gov email address and I did further research to find out that this is a group at the XXXX XXXX Federal Reserve Bank XXXX The email reply did not forward my complaint to the appropriate federal financial regulator : the Board of Governors of Federal Reserve System ( FRB ) ; Office of Comptroller Currency ( OCC ) ; or Federal Deposit Insurance Corporation ( FDIC ). 

Instead, I was referred to this alleged federal agency, the Consumer Financial Protection Bureau ( CFPB ) which is in error, because it does not exist according to 12 U.S.C. section 5491 ( a ), which established the Bureau of Consumer Financial Protection, not the Consumer Financial Protection Bureau. This discrepancy suggests a violation of federal law and my civil rights. 

Furthermore, the FRCH referred me to the Federal Trade Commission ( FTC ), despite their stated inability to resolve individual consumer complaints. I was also advised to contact my state attorney general, which is an unnecessary detour given that my complaint should have been forwarded to a federal financial regulator under existing legal obligations.

Please ensure that my complaint that I sent to the FRCH gets to the appropriate federal financial regulator instead of to a color of law entity ( CFPB ) that is in violation of my civil rights.
Product: Student loan

Navient has yet to post my payment for the month of XXXX XXXX. The check cleared my bank almost XXXX weeks ago. I have even uploaded a copy of the cancelled check. This is not the first time this has happened. In fact, I have filed complaints before about this happening. It seems to be happening on a regular basis now. I refuse to do online payments and wish to send in checks. Each time the check has cleared my bank and has proof that Navient is the one who cashed them. I am sending the checks to the correct address with my full account number on them. I am also sending them well before payment is due. It is becoming frustrating having to get a copy of the cancelled check to submit to Navient every few months because they misplace my payments. 

This has been a very difficult company to deal with. I was also XXXX of the victims of their forbearance scam in the early XXXX. I have been paying back my loans now since I am not XXXX who will be getting the rest of it forgiven since I was not led into the right type of repayment plan by them. The fact they are getting more money than I originally owed and are now constantly losing payments is not acceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated a dispute with Experian, requesting verification of the aforementioned account and the correction of any inaccurate information, or alternatively, its removal from my credit report. According to the FCRA, particularly under Section 611 ( 15 U.S.C. 1681i ), a consumer reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute to determine the accuracy of the information in question. As of the Experian report dated XX/XX/XXXX, the inaccuracies remain unaddressed, exceeding the statutory time frame. Given that the requisite period has elapsed without rectification or deletion of the disputed information, I am now demanding its immediate deletion in accordance with FCRA guidelines. 

In relation to the challenges I am facing with Experian and the inaccurate information on my credit report, case law reinforces my stance and the importance of compliance with FCRA mandates. The decision in XXXX XXXX XXXX ( XXXX ) held consumer reporting agencies responsible for ensuring maximum accuracy of credit reports, in alignment with FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Furthermore, XXXX XXXX XXXX XXXX ( XXXX ) affirmed the obligation for a reasonable and diligent investigation upon the disputing of reported information by a consumer. 

The failure to make the requisite corrections on my report is reminiscent of the situation in XXXX XXXX XXXX XXXX XXXX ( XXXX ), which emphasized the duty of credit bureaus to revise or eliminate information that could not be verified post-dispute. These cases collectively demonstrate that the dismissal of verified disputes or the insufficient investigation of such disputes does not stand up to legal scrutiny and is a breach of the duties imposed by the FCRA. 

Considering these legal precedents, it is clear that Experian is compelled to address disputed information with diligent and reasonable investigation and, failing that, to remove the unverified information to maintain the integrity of credit reporting as mandated by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was in a data breach the company is reporting false information. Their are things that I dispute they put right back on my credit
Product: Credit card or prepaid card

Had a {$500.00} credit limit on my Walmart Credit Card ( store card ) paid at least the minimum each month for over a year. Paid off the card last month ( along with 3 others ) to a XXXX balance. Working on paying down all my debt to improve my debt to credit ratio. When I paid off the card they lowered my credit limit to {$100.00} dollars. Thereby hurting me in the debt to credit ratio. My spouse also has a Walmart card that has a {$1000.00} limit. We were going to pay that off this month but am afraid they will do the same thing to that card. Hurting us in the debt to credit ratio ( again ) We DID NOT ask for a credit increase. They just took it upon themselves to check my credit ( yet hurting me again ) and made the decision based on my lack of knowledge. 

I would understand cutting my limit if I had a history of late or missing payments but I do n't. I am a faithful Walmart shopper who easily spends over {$1500.00} a month ( XXXX yearly ) not to mention all the money I spend at XXXX 's every month. They purposely waited till it was paid off and they had their money to do this! They could have done this with the balance on there and sent us a letter stating that they are reducing the credit limit to {$100.00} dollars and suspending the account until it is below the limit. Then they could have given us a 6 month grandfather period to bring it under the limit before charging over-limit fees. But no, they wo n't do that because they know the chances of the customer paying it off drops to XXXX! Instead, we wait till the good customers that are responsible pay off their card and do it to them!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Trying to find out if JPMorgan Chase sold my loan before we sold our house or if it was still through them. 
If it was still through them, trying to find out about a payment XXXX is saying that they made for them and we owe. I have called multiple times and no one understands my questions. 

We received a letter from XXXX stating that they made a tax payment in our name for a lender ( the lender was not named in the letter ) and since we sold the home, we owe that tax payment back to them. They have sent us multiple letters and are now threatening to send to collections. 
I have spoken to 1 person at JP Morgan Chase that said they have no clue who XXXX is and it is definitely a scam. If that is proof, I need a letter stating that XXXX did not pay my taxes and this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an amount of XXXX from XXXX XXXX that was previously reported as delinquent. I straightened the matter out with XXXX XXXX. It was corrected with XXXX, but Equifax erroneously reports late payments on this XXXX XXXX account # XXXX. These payments were accurately reported as on time to XXXX   and now Equifax needs to be corrected. This has resulted in a very low credit score with Equifax ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called Equifax, the were unable to help me.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute request to All 3 consumer reporting agencies regarding an account listed on my credit profile. XXXX XXXX XXXX XXXX I received a notification from XXXX stating that the account has been verified and updated. However after contacting XXXX they have stated in writing that they will be placing the referenced account into a restrictive status and they will not be attempting to collect anything from me. Now because their is nor evidence of indebtedness with XXXX XXXX XXXX the consumer reporting agencies have no business still reporting this unverified inaccurate information on my consumer report. I have included evidence that I have filed the proper complaints against the parties involved and that I am awaiting a quick response to my request to remove this information from my consumer report.
Product: Debt collection

This is a private student loan debt that I obtained in XXXX from Sallie Mae, I couldn't afford to pay it, I filed for bankruptcy in XXXX including this debt was sold to a third party, XXXX XXXX XXXX, who continues to call, leaving a voicemail and threatening further action. I haven't responded nor attempted to return the calls, I haven't had any communication with Sallie Mae or the Third Party since XXXX. This debt was included in the bankruptcy and is past the statute of limitations for Private Student Loan debt in New Mexico. The debt isn't included on my credit report, but the Third Party keeps threatening further action.
Product: Mortgage

I refinanced my home loan with nationstar mortgage ( Mr Cooper now ) in XXXX. In XXXX of XXXX I received a letter from Nationstar saying they owed me a balance from this account. I completed the steps to have a check issued to me on XX/XX/XXXX. It is now XXXX and no check has ever been mailed. I made multiple good faith attempts to resolve the issue with phone calls and chat but nationstar would not allow me to get in line to speak with a person due to " high call volume ''. I submitted a ticket describing this issue and the response was " reach out to the state to regain unclaimed funds ''. These instructions are insufficient as well as misleading. The funds were claimed by me in a timely manner from the date notification was received. Refusing to contact or assist me when money is owed does not seem like it is legal. I hope this complaint will motivate them to explain where the money they owe me has gone and get them to submit payment.
Product: Debt collection

An account was open with this company called Tempoe that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.
Product: Mortgage

A few weeks prior to Bank of America mortgage being paid off, I noticed an amount in question of {$1000.00}. After many phone communications with BOA customer service reps, they were unable to identify any reasons for the amount being charged to my account. Additionally, the HELOC Department has no evidence of this documentation. On XX/XX/XXXX, BOA sent a letter stating that the fees were accessed as a result of the " HELOC trying to foreclose '' on my property. Since I have never been XXXX days late on any payment, I requested a loan history that does not reflect any payment over XXXX days. Therefore, I again requested that the money be refunded to me or documents reflecting the HELOC foreclosure be forwarded to me. After several verbal communications, followed by a certified letter to Bank of America on XX/XX/XXXX, the money has not been refunded in the amount of {$1000.00} plus interest.
Product: Mortgage

I called to ask and they told me I needed to pay {$59000.00} to reinstate my mortgage. I applied to XXXX XXXX XXXX. I was approved and I wired my money to XXXX and XXXX XXXX XXXX XXXX added theirs to mine and wired to Shellpoint Mortgage Servicer. It was wired on XX/XX/. when I called to verify that they had received the money they said no. Lt is now XX/XX/ and I called again they still they have not received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED EQUIFAX XXXX  AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

XX/XX/2019 some people request quotation XX/XX/XXXX they start with purchase {$52.00} XX/XX/XXXX i shipped all items to them After 25 days they filed a dispute with American Express Merchant Services they debt {$14000.00} and i answered to them they credit the money and one week after they debit again 10 days after the other guy dispute {$38000.00} and answered rquested help to cfpb with number XXXX after some days more they sent me a letter with information about case was close and they will refund the money and sent me checks i deposited and they stop payment and now reopen the case and stop some money from my customers Is very sad after 2 debit and 2 refunds and one letter with close the cases and told me several times i win both cases now reopen stop refund and stop the money from my customers they want what my company go to bankrupt i dont have money for buy parts and resale They have more of {$20000.00} on hold i not owed nothing i sold the parts and delivered with instructions of card holder
Product: Debt collection

Ara FinancialXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX been calling me and threatening arrest and legal action on a debt that is not mine. The debt is with a family member that I do not speak with. when I told them they do not have business with me they hung up and have called back again. These calls are in the early morning hours when I am sleeping, and they wake me up. I work a job that requires proper sleep and they are interfering with that. I have sent a certified letter to them, so now they have another branch office call.