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

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX This letter is to inform CFPB that I have tried to dispute some incorrect items on my credit profile. Im aware that Experian was sued by the CFPB? 
I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 percent accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 
XXXX XXXX XXXX
Product: Credit reporting

Experian has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc on accounts all XXXX XXXX XXXX XXXX XXXX XXXX all oXXXX XXXX XXXX XXXX XXXX / pXXXX XXXX XXXX ( all )
Product: Student loan

My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.
Product: Debt collection

Continued unlicensed debt collection and harassment. XXXX is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because XXXX commited fraud which was exposed by the collapse of XXXX and now XXXX is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that XXXX in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
Product: Money transfer, virtual currency, or money service

Commencing around XX/XX/2022, I fell victim to a multi-layered scam operation run by a fake Law Enforcement Officer which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.
Product: Credit reporting or other personal consumer reports

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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, Equifax has I owe XXXX and XXXX says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not address my original complaint. CFPB COMPLAINT XXXX SUBMITTED ON XX/XX/2021 It appears they did not read it and just provided a 'canned ' response. My complaint stated clearly that I was unable to obtain my annual free credit report from them. I successfully received from XXXX and XXXX with no issues on line. I tried online for Equifax as well but was unsuccessful. I answered all the questions correctly in order to obtain my free credit report from Equifax. How could I obtain both XXXX and XXXX but not Equifax. I clearly stated I will not mail my SS #, DL #, etc. That is opening me up for fraud. And how would I know that if I mailed, whoever reviewed would not use my information for fraud. Isn't that the point of online? Not to sound political, but this sounds like suppression regarding ordering my free credit report. Similar to voter suppression in Georgia. And I never authorized Equifax to gather my personal credit information and release to banks, etc. That is why I want to see my annual free credit report from them to make sure the information they gathered is correct. Everything was correct with XXXX and XXXX. Again, Equifax didn't even address my complaint. They simply returned a 'canned ' response to make it difficult for me to obtain. If they had read my complaint, they would not have sent.
Product: Checking or savings account

three issues # 1 six months ago I charge on my credit card that look odd, cause it does not get charge ever month, ( I have a secured credit card account ), I put up my personal money not the banks.Went to my local branch ask bank employee a simply question what is this for what it means.He talked 30 minutes that related nothing I ask and had to leave because it made no sense. issue # 2 I keep tabs my accounts i one I use fast and easy, I am XXXX years old and get paid once a month.I have been lie, cheated and rubbed every bank there is.I been with US Bank for ten years great service last week three of my pass codes removed from my personal account, talk to branch manager XXXX XXXX XXXX #! XXXX she said I and I said no got stood up yell do not tell me my I do what to your account I want if you do not like go some where else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX equifax put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.
Product: Mortgage

Ocwen has failed to deliver any solution to my financial hardship and I would add Failed miserably to deliver minimum standard to Help homeowner is what we do according to their motto 1. It took Ocwen over 4 months to complete my loan modification package by demanding income info, only to reject the modification and add salt to the wound by telling me that gross income is N/A not applicable???? 

2. Loan repayment, I requested a repayment plan as my income is increasing from current monthly {$4500.00} to be {$6000.00} in 2019 due to my efforts to complete renovations and upgrades against all odds and rent the rentable portion of the property despite ZERO help from Ocwen The total amount Ocwen is demanding on a 5 month Hamp approved modification mortgage payment of {$1300.00} is 12,000..!! 

{$1300.00} x 5 = {$6800.00} the rest is misc, fees, and escrow which is 50 % of the total amount demanded and of the {$12000.00} only {$2000.00} is towards the principle payment. The remainder is pocketed by Ocwen with the exception of tax and insurance 3. I spent 4 months with auditing the account and after receiving no valid response, I was forced to file an official complaint with the Consumer Financial Protection Bureau, then I started to receive responses I have proven that Ocwen has a consistent pattern of questionable transactions and discrepancies
Product: Vehicle loan or lease

Ive already contacted Hyundai multiple times regarding this issue, I had a new checking account and updated it with them. However, they kept using my old checking account through with drawls, which then locked my account, and I can no longer make payments over the phone or online. 

This has made me late for more than three weeks now and I cant process a payment. I contacted customer service agents who are charging me XXXX dollars to make a payment and refused to waive any of the fees even though this has never happened to me. Ive spoken with for agents none of which were able to accept my payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX   XXXX XXXX, XXXX  Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent an email to Credit Karma on XX/XX/XXXX because my XXXX report hadnt updated since XX/XX/XXXX. I received an email that it was escalated to the appropriate team. One month later, I am still awaiting a voluntary response from Credit Karma. I have to send emails and still get the same stock answer, it is already being reviewed. I decided to cancel my account. Foolishly I had opened a Credit Spend account ( which had a XXXX balance ), which was preventing me from closing the CK account. I called and requested this to be closed right away as I didnt wish to do business with this company any longer. After the phone call I had to answer some questions in an email that was sent. I answered the questions and I got the response that THIS request also had to be escalated. I sent an email today that I am revoking my permission to have them access my personal information. I am sure it will do no good, so I came here. Hopefully you can help. 

XXXX XXXX SSN XXXX. DOB XXXX XXXXXXXX XXXX
Product: Mortgage

Loancare refuses to answer any of my loss mitigation process questions, and over the last year has repeatedly denied me loss mitigation options that I was duly qualified for. Now that I have income again and am able to pay the mortgage again, the loss mitigation representatives are stalling and refusing to speak with me about my open application, which seems to be to the benefit of Loancare and their attorneys attempting to foreclose on my homestead property. I have repeatedly explained my situation to them and continuously updated them in good faith, however they refuse to comply with my requests and continue to foreclose, which threatens my job as I work XXXX XXXX and have nowhere else to go or funds to relocate. The servicer also refuses all payments until a highly unreasonable " reinstatement amount '' is paid, and continues to charge me unreasonable amounts of money, including over $ XXXX/month for their attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consolidated loans in  XX/XX/XXXX . Still receiving negative credit reporting latest being  XX/XX/XXXX  120 ( days late ). Current loan service did not report. Spoken to reps at US Dept of Education multiple times. Original service no longer in business i.e Direct Loans. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account , which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXXAccount Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : 1. **No Permissible Purpose : ** I have not given XXXX or any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

3. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

4. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights.

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing this to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with having insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Money transfer, virtual currency, or money service

I used Cash App to pay {$1000.00} for a service for my business, but the employee didnt complete the service and disappeared. I contacted Cash App support and they rudly refused to investigate or even learn more about my situation. They did not solve my case or do anything about it.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address.
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. 

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

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX Lendmark Financial S 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

I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX reported to XXXX, Equifax, XXXX, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, Equifax, XXXX, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of XXXX, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions. 

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice.