23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According t

o 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these incorrect items on my credit since XXXX, 2020. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XX/XX/year> POSSIBLE FINANCIAL INC. 
XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Account # XXXX ORIGINAL CREDITOR : POSSIBLE FINANCIAL INC. 



Subject : Cease and Desist Request for Deletion of Collection Account Dear POSSIBLE FINANCIAL INC., I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Student loan

The " Quick Pay '' option for Navient was incorrectly allocating my payment to the lower interest rate and not paying my higher interest loans- resulting in additional interest charges. 

Minimum payments have been calculated in order to achieve maximum financial gain from Navient- attempts to reach out to company via their website does not provide a feature to inquire about incorrectly allocated payments. 

In turn, hundreds of dollars have been paid to interest that should had been applied to the principal loan.
Product: Checking or savings account

Navy Federal charged multiple overdraft fees and Im submitting a claim based on the new lawsuit against them
Product: Vehicle loan or lease

I see multiple 30 day late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

CapitalOne has been experiencing technical issues since XX/XX/year> causing my deposits not to post and delaying my bill payments. I am now incurring late fees as a result of their unresolved issue.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance : {$3000.00}.
Product: Credit reporting or other personal consumer reports

I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for Transusion and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX -These personal information are need to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.

TRANSUNION Personal Information Also known as : XXXX, XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -These personal information are need to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed XXXX year statue for reporting. 

Capital One Best Buy paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX XXXX Bank are all the same duplicated accounts.. I have record showing I paid this account.
Product: Vehicle loan or lease

I brought a car through captol one bank on XX/XX/20 the car dealership fraudulently filed false statements during the transaction along with vehicle being a lemon car. On XX/XX/20, the bank initiated a buyback from the dealership. Instead the dealership recended the whole agreement and returned all funds to the back. Note I have made over {$3700.00}, in payments to the bank toward carnotes paid and is due my refund. The bank initially stated I would be refund all fees made ; now they are mentioning finance charges for a car that the dealership paid all monies owed from the entire deal
Product: Mortgage

This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX. My company name is XX/XX/XXXX.my merchant id is XXXX. My clover email is XXXX original cfpb ref # is XXXXFiserv agreed to release {$30000.00} to me and said already sent me an check to my old address XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX without asking my current mailing address last week. But i do not live in that address anymore and i never received that check. Please make an expedited shipping with traceable courier like XX/XX/XXXX or XX/XX/XXXXMy current shipping address is XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXXplease ship an replacement check to my current address asap.please send me tracking number after fiserv shipped my replacement check. Thank you so much.
Product: Debt collection

XXXX XXXX has called and harrassed me several times since XXXX about a credit card that I reported stolen to them. They did nothing about it. I was living in XXXX XXXX at the time. I moved to XXXX, and they somehow gained my address and phone number and continued to call and harrass me. They started to threaten to sue me. The debt is well above the amount of credit which the card was issued. On XXXX/XXXX/XXXX around XXXX, someone came banging on my door to serve me with a lawsuit. I was told that there was nothing for me to sign and I was not gicen a name of the delivering individual. After viewing the paperwork I also noticed that it shows that I am married. I never have been married, nor have I told anyone that I was married.
Product: Checking or savings account

Money network owner by XXXX. Web site is basic and only has simple feature. Money network 's mobile app is need to transfer money in between savings AKA XXXX XXXX  account and checking. Can not access app to manage funds and transfers. Customer Service can not move money for me and has not offered a explanation or anyway to resolve it. App freezes when logging and and can not used the app at all. Every customer is having this issue and they are not helping anyone. They also locked me out of my account for a fraudulent charge but did not send any email, texts or called to notify me.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance in resolving an issue related to my mortgage account with this bank. During the COVID-19 pandemic, I faced significant financial hardship, leading me to request a modification of my payment plan. Unfortunately, despite multiple attempts to contact the bank, I did not receive any response, leaving me unable to afford the high payments. 

Post-pandemic, the bank finally responded, and we were able to establish a new payment plan. Since then, I have consistently made on-time payments without any further late instances. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 

While I understand the importance of accurate credit reporting, I am currently unable to provide supporting documentation due to the circumstances. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank. 

I appreciate your understanding of the challenges faced during this unprecedented time and your assistance in rectifying this matter. If there is any additional information required or if you have further questions, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

Date of first contact by Credence Resource Management XX/XX/XXXX via telephone Caller reference a debt of {$71.00} for a cellular line I never activated He stated the original creditor was XXXX XXXX 

-During our lengthy conversation, I informed XXXX 's representative that there records are wrong. 

XXXX XXXX accounts are current and the number being reference is not under my lease agreement nor ownership. 

-I stated, I will contact XXXX XXXX regarding the error at the conclusion of our call. I called XXXX on XX/XX/XXXX to initiated a claim. 

XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX emailed a confirmation for a credit of {$71.00}. 

Today, I check my credit report via my credit card provider. XXXX XX/XX/XXXX, Credence Resource Management erroneously reported a derogatory account to all reporting agencies.
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Student loan

Navient used high pressure sales techniques to get me to consolidate my loans and take frequent forbearances.  When i asked if there was any down side or reprecussions, they continually said "no".  Come to find out that because I consolidated, I am not eligible to have XXXX  Loan forgiveness, even though I spent 13 yrs. as a XXXX and 5 yrs. as an XXXX in a XXXX XXXX district. They have continually refused to take responsiblity for this and have consistently denied my application for XXXX Loan forgiveness sighting that my loan consolidation makes me ineligible!  Had I known this, I would have never consolidated!
Product: Bank account or service

This is a complaint against Wells Fargo Bank. For the lack of consideration, respect, and ethic. Without noticing, they have decide to block my business account of XXXX XXXX XXXX XXXX and with an amount of money that I am needing, that was {$4200.00} that was deposited yesterday, XX/XX/XXXX. The lack of ethic that they blocked the account after me depositing the money. This is a joke and lack of consideration and discrimination. On top of that, The money I deposited does n't even show in the account. Where is my money? I do n't know where it is. They either stole it or are playing with it. Other than that, they also blocked my personal account, with a sum of {$9300.00}, they have left me with out money to use. This is lack of respect and consideration. Today, I called to find out what was going on, and their response the money was blocked because they decided to close my accounts. Without even telling me or noticing, and they did it after me depositing my money. And apparently, I have to wait until XX/XX/XXXX until they can open my account and there is n't even a chance of them of giving the money back. They did n't even think, they make the country think they are a good bank, that is a lie to the country and the citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

PUBLIC FILINGS XXXX not mine
Product: Credit reporting or other personal consumer reports

Dear XXXX, EQUIFAX, XXXX, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting. 
XXXX ( Credit First ) Account Number : Ending XXXX Date of Dispute : XXXX of 2023 Late Payment According to 15 U.S. Code 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 unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, under 15 U.S. Code 1666, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. 

I request that you Investigate the disputed information. 
Correct any inaccuracies found. 
Provide me with written confirmation of the corrections made. 
Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX