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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX DEPARTMENT XXXX XXXX - XXXX ( EQUIFAX ) XXXX XXXX - XXXX ( XXXX ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX UNI THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & XXXX AND XXXX & EQUIFAX
Product: Debt collection

On XX/XX/23 I was informed by my employer that great American finance ( XXXX XXXX contacted my employer in an attempt to collect a debt, and I just made a payment. This was inappropriate, unprofessional, and could impact my employment. It also very much violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Mortgage

This was one of the letters I sent to them, this will explain the best As the homeowner, I was discharged from XXXX XXXX bankruptcy and subsequently approved for a loan modification to retain ownership of my home. Despite this approval, I never received the final paperwork or any path to move forward, despite multiple documented attempts to follow up.It is important to emphasize that while my bankruptcy discharge removed personal liability for the mortgage debt, it did not resolve the existing mortgage default. The approved loan modification represented a viable resolution to that default, and your organization 's failure to finalize it constitutes a significant procedural failure and denial of good faith loss mitigation.Furthermore, I was not notified of the upcoming foreclosure sale scheduled for XX/XX/year>. I only became aware due to unsolicited third-party calls. This lack of formal notice violates servicing standards under federal mortgage servicing rules and due process expectations. It also adds to the harm caused by the failure to act on a valid, approved modification.I have funds currently available that I have tried to submit for some time now. The very first correspondence I received was today from a representative on the phone that stated a modification was opened up today, which I did not begin so Im not sure who did. This conversation was on a recorded line.

I am preparing to escalate legally if no resolution is reached. I also reserve the right to seek relief in court for wrongful foreclosure based on : - Failure to complete the modification process despite approval- Failure to provide proper notice- Servicing misconduct and lack of communication- Induced reliance on a modification that was never honoredI am requesting an immediate hold on the foreclosure sale and a formal reinstatement of the previously approved loan modification.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate account on my credit report. 

Equifax : XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX : XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer.
Product: Debt collection

On XX/XX/2021 I wrote a validation letter to National Credit Adjusters, it has been 5 months later and they haven't responded to my certified letter asking for validation of the allege debt they claim I owe. But I see that they are still reporting the invalidated account to all the credit reporting agencies before validating it.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Auto lender has reported that they have written off my car loan however they did not send me a 1099-C as required by law. Although I reinstated my loan it still reflects they wrote it off on their taxes. So either they need to remove that from my credit report or issue a 1099-c
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have applied for a mortgage in 2021. My lender is unable to pull my credit reports. They have not had any problems since 2021. XXXX  and XXXX are fine. I am having a problem with Experian not releasing credit report and not allowing me to log in or access it. THey have transfered me to everyone under the sun and no one can help. One rep says I have a freeze or a fraud alert.Then the next representative says I do not have it. Then experian says that there is an error in their back end and will take several days to fix. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the phone numbers they keep telling me to call. I have excellent credit and experian is refusing to give my my credit report and give access to my lender. Who have had access before for a whole year and no problems at all. Until last week. I need help to get these people to do their jobs and be compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau doesn't remove inquiries after two years on your report unless you actually call them. They will not dispute inquiries you do not recognize. I was told that you could not dispute inquiries because there's an item on the report related to that inquiry which they label " quality control ''. Their employees are anonymous so you have no way of reporting them. Useless report XXXX. They change your FICO score at whim. To improve your credit they want access to your bank account and all transactions. I have a screenshot that appeared while on the Experian page. The screenshot has the XXXX emblem and reads verbatim : " What Experian wants to know. 
Balances, transactions and rewards Account names, types and other details Contact info '' This is very worrisome. Experian wants access to your private financial life and how and to whom you disburse your money. 

Why can they be regulated instead of running amok with your lives?
Product: Debt collection

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.
Product: Credit card or prepaid card

i applied for a Wells Fargo credit card that advertised 0 % balance transfers. Upon approval i called to start the transfer and was informed that i need to wait until my card arrives to submit balance transfer. This was not made clear to me prior to applying as i was expecting to transfer immediately ( ive never done a balance transfer before ). Fine, I waited. My card still hasnt arrived even though they promised XXXX days. So I contacted Wells Fargo directly to inquire. The representative just kept saying sorry for the inconvenience and told me they are having issues printing cards and its not their fault. I disagree. If they can not fulfill their obligations it is misleading and deceptive consumer practice to offer and have customers sign up for things they can not use. If I need a physical card to complete a balance transfer and you are unable to send me a physical card then you are not fulfilling your contractual obligations. I was told the delay in making and sending cards has been XXXX weeks already. Which means if there is a known delay in producing and shipping cards WE SHOULD HAVE BEEN NOTIFIED PRIOR to applying & updated along the way. Now i am unable to take advantage of the promotional balance transfer which was the entire reason I signed up for their credit card. I was manipulated into applying for their card, when I could have applied at XXXX other banks had i known a ) I needed the physical card first and b ) you couldnt send me a physical card. My requested balance transfer is only XXXX XXXX of my credit cards approved balance. I asked the supervisor how can we resolve this? She said i have to receive the XXXX & XXXX that come with the physical card. I asked, Cant you just send me the terms & conditions and we can complete this without the card? She said no. Wells Fargo deliberately deceived me into signing up for their card. If I apply to another company now for a 0 % transfer i will not only take a hit on my credit report, but it will be past my due date for XXXX XXXX and id have an additional late fee and interest charges applied. They literally hoodwinked me and falsely advertised a service they are not able to provide. The supervisor said shed submit a report but before I could even ask for a copy to be sent to me she said XXXX XXXX and HUNG UP on me! They were completely unwilling to work on a compromise and kept saying it wasnt their fault for failing to provide advertised services. If i had been adequately and fairly warned there was a delay in sending cards, I WOULDVE PICKED ANOTHER COMPANY, which they obviously know and are deliberately hiding this fact from all new customers and applicants. Honestly appalled by this level of customer disservice. 
Also to add : they advertised that I could add the card to my XXXX wallet before i received the physical card to use it. BUT when i tried to do that i got an error saying my physical card needs to be confirmed before i can add it to my wallet. More misleading advertising.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Student loan

I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in 2014 and student loans were discharged. 
5. The private loan can no longer be collected by XXXX and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. XXXX sold two " XXXX XXXX '' loans to Fed Loan servicing. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both XXXX and Fed Loan Servicing demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. XXXX could only produce 1 application, no note and no payment history. 
8. Fed Loan has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, a debt from XXXX XXXX XXXX. was allegedly sold to Portfolio Recovery Associates. I was never provided with the legally required debt validation notice within five ( 5 ) days of initial contact, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This notice should have informed me of my right to dispute the debt within 30 days and required the collector to provide verification upon request. 

As of XX/XX/XXXX, Portfolio Recovery Associates has reported this debt as a collection account with a balance of {$4700.00}. Since I was never notified of my dispute rights, I was denied the opportunity to challenge or validate the legitimacy of this debt, which is a violation of federal law and CFPB Regulation F ( 12 CFR 1006.34 ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a security breach and all my information was exposed and accord 15 USC 1681 ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX ) With this security breach my information is no longer correct or accurate
Product: Debt collection

my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting continue to report inaccurate information on my credit report violation of Fair Credit Reporting Act section ( 604 ) ( 605B. ) ( 609 ) and ( 611 )  Equifax has not verified third party information as 100 % accurate disputed items are XXXX XXXX XXXX XXXX acc # XXXX also XXXX XXXX XXXX acc # XXXX in the amount of XXXX, also XXXX XXXX XXXX acc # XXXX.
Product: Debt collection

Transworld Systems inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX, is trying to collect a debt as per the letter dated XX/XX/XXXX, sold by Florida Department of Revenue, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Business Partner # XXXX, amount {$1300.00} after the Debt was paid in full. This Debt was paid in full and the satisfaction was recorded on XX/XX/XXXX in XXXX county public records ( Copy Attached )
Product: Credit card or prepaid card

I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any reason
Product: Debt collection

Chase has been calling me 4 times a day every day for the past 30 days and I cant block their number because it's always changing and I cant stop the harassment because it's a robot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over 21 times to different t departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name : [ XXXX XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX 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: Checking or savings account

From XXXX XXXX Sofi froze my account because someone DEPOSITED money in their name in my account. They said it is Fraud when it comes from my Employer who wants me to do payroll. But it is Legal to DEPOSIT MONEY IN someone else 's name into your account. I have been constantly sending emails and voicemails to them. They have refused to ANSWER ME. After the phone call from the so CALLED security member. They have my tax money as well. Which I worked for last year. The money is mine and they lied saying that they were sending the money to me and closing the Account. I have Investments going on and they won't let me do anything.