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

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

On the day of XX/XX/2023, A letter from a Debt Collection Agency called : Caine & Weiner falsely engineered in the amount of {$760.00} has arrived through my private postal service mailbox. Amount is in the positive amount as if they are claiming to owe a credit to me, yet want someone to send them money for no reason. This debt collector is using a name similar to mine which is identity theft. seeking payment though a mailbox without the proper accounting is racketeering. 

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and Caine & Weiner wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt.

3. A signed contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus. 
4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of the contract and the paperwork for the sum purchased and any transactions binding my name.

5. Show me of a license to operate in the territory and state of texas.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and saw a lot of in-corrections that are on my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month. 
( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up. 
This made me go into foreclosure for about 4 years until I was able to work out a modification. 

Having this foreclosure on record obviously cost me tremendously both monetarily & physically. 

In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail. 
I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank. 
Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees. 
This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once.

1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments.

I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.
Product: Debt collection

I had totaled my car and expected my insurance and gap to cover it. I was never relayed any information about payments being made by my insurance and my online account was never updated with a current amount. I was never contacted or notified of a balance in any form until phone once my account had gone into collections after viewing the monthly statements it only showed a balance of XXXX and then they added interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

The company is Portfolio Recovery. Calls every day 3 to 4x times daily. I have blocked them but they still keep calling. Sometimes with different number.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING OF AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : CREDENCE RM ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information being reported is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX INCORRECT PHONE NUMBERS : ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX INCORRECT EMPLOYERS XXXXXXXX XXXX XXXXXXXX
Product: Student loan

I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.
Product: Debt collection

LVNV FUNDING INC, have not responded, nor provided sufficient documentary evidence to validate an alleged debt that they state I owe. On XX/XX/XXXX, I sent a notice of cease and desist via US Certified mail. They received the notice XXXX XXXX. It is now XX/XX/2022 and they have continued to communicate inaccurate information to my consumer reports. I have not contracted to any agreement with this company and have not been provided any information that states otherwise.
Product: Credit reporting or other personal consumer reports

I have submitted 3 different disputes to Equifax, XXXX, and XXXX. NONE of them have responded to me. At this point I think they are throwing my disputes in the trash can. There are two accounts with errors on my credit report. I have asked for proof of my 21 day billing statements from the creditors and bureaus. NONE have been provided. I was never late on these accounts. Please help me by ensuring the bureaus do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since my initial dispute that was sent to XXXX, Equifax, and XXXX  in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, First XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX # XXXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, Equifax, or XXXX  so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$20000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1000.00}, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist. 

Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right. 

I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information. 

I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome. 

Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws. 

XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week.

2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates .

3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend to disputed accounts, as Experian, XXXX and XXXX 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Vehicle loan or lease

Do not give me a chance to make agreement to pay off my loan took matters into my own hands repossess
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate items on my credit report after their investigation
Product: Credit reporting or other personal consumer reports

*Company name CLARITYXXXX XXXX did a soft pull on my credit report on following dates : XXXX, XXXX and XXXX I did not initiate any transaction or relationship with CLARITY/XXXX XXXX that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CLARITY/XXXX XXXXXXXX willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been sold to a different bank XXXX XXXX XXXX XXXX XXXX  has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy is severely important to me and these companies are infringing on my right to privacy. They keep sharing my personal information without my consent. I need it to stop immediately.
Product: Student loan

My complaint is with NAVIENT. My loan started with Sallie Mae then later NAVIENT. XXXX XXXX XXXX XXXX XXXX and Told me to get an XXXX Loan I had to get another loan after XXXX XXXX extended my course curriculum. I didn't have enough to cover the extended courses which they said was required to complete my degree. The courses took six months to complete. They said I could get an XXXX loan to cover the additional expenses which I did in order to complete my courses and graduate. I graduated with a XXXX XXXX XXXX in XXXX. When I graduated, I owed {$90000.00}. In student loan debt. I was told it would be about {$60000.00}. When I enrolled. I am glad I completed my education, but I don't think I was fairly charged. XXXX used aggressive marketing and high-pressured sales tactics to falsely convince students they will have a successful career. Now Navient is forcing me to pay. The loan was for {$11000.00}. and to date, I have paid them more than {$14000.00}. Navient was sued and court ordered to forgive the loans from predatory for-profit schools but they are not doing that for my loans. 

According to the class-action law suit " Navient allegedly made these risky subprime loans as an inducement to get schools to use Navient as a preferred lender for highly-profitable federal and prime private loans, without regard. XXXX XXXX XXXX XXXX XXXXXXXX