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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Product: Mortgage

I have now spent 3 months in the process of disputing an unfair and incorrect valuation completed to justify PMI deletion. Pennymac has now gone back and forth in denying the XXXX XXXX I have provided on 3 separate occasions, each with more supporting evidence that my home is easily market valued to constitute deletion based on Pennymac 's own requirements. They have arbitrarily made up numbers with no backing data despite requiring me to provide hard evidence that they then ignore. I have spent well over 15 hours of my own time to discuss this with them via messaging and calls with no help or assistance in resolving this fairly. After months of communication back and forth, they then replied to a message that yet again clearly showed that the valuation was unfair and not factual based on more than 10 comps I provided ( when they only required 3 ) in the time frame they requested that I am now out of the time window to dispute. I am out of this time window because they have gaslighted the XXXX XXXX and requests in order to extort my money for their gain.
Product: Credit card

I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : 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

To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Product: Credit card

On XXXX XXXX XXXX, I used PenFed Credit Union points to make a reservation from XXXX through XXXX to XXXX. 

PenFed chose to use their code sharing relationship with XXXX XXXX to book with XXXX XXXX XXXX XXXX. In addition to the points, I paid additional fees of {$39.00} using my Pen Fed Card. On my PenFed bill, that charge appears as XXXX XXXX XXXX. Note that the reservation notice sent to me by PenFed on XX/XX/XXXX, shows that the charge for {$39.00} was paid to XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX cancelled the original flight to XXXX and rescheduled the flight through XXXX. I had to pay additional fees. The fees I paid ( {$35.00} and {$97.00} ) to accept that change were also processed through my Pen Fed Card and paid to the aforementioned XXXX XXXX and to XXXX XXXX. 

On XX/XX/XXXX, I received a text from XXXX XXXX telling me the originating flight was cancelled. A follow-up call to XXXX revealed that XXXX XXXX was no longer offering that flight and no other arrangements could be made through them that would get me to XXXX in time to make my connection. 

As is my right when an airline cancels a flight for their internal reasons, I chose to cancel my reservation. 

I contacted PenFed through its agent ( identified in email as XXXX XXXX ). My points were restored, and I received an email on XX/XX/XXXX, asking me to provide EFT information so they could send me the funds due me. 

XXXX XXXX operates as a subsidiary as one or more of the following XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its now a month later and more than XXXX months since XXXX cancelled my flights and I requested a refund from PenFed. 

All of the agents operating in this matter were doing so under the aegis of PenFed rewards. Its time for PenFed to accept responsibility and refund my money.
Product: Credit reporting or other personal consumer reports

i ran credit report and saw a XXXX account which is not mine or do i have any knowledge of it i was told to file a police report which i did and to file a complaint here
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Department Complaint : Inaccurate Credit Reporting and Debt Collection Practices Date : XX/XX/XXXX I am submitting this complaint against XXXX XXXX XXXX for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Account Number : XXXX Company : XXXX  XXXX XXXX Violations : - Inaccurate credit reporting : The company has reported an account as being late over 120 days, despite being paid in full. 
- Failure to investigate disputes : Despite two previous disputes, the company has failed to investigate and correct the inaccurate information. 
- Debt collection practices : The company has attempted to collect a debt that has already been paid in full. 

I have requested that the company : - Delete the inaccurate information from my credit report - Provide a corrected credit profile to all creditors who have received a copy within the last 6 months - Provide the name, address, and telephone number of each credit grantor or subscriber - Describe the procedure used to determine the accuracy and completeness of the information However, they have failed to respond or take any action to resolve this matter. 

I believe that XXXX XXXX XXXX 's actions are in violation of the FCRA and FDCPA, and request that the CFPB take appropriate action to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX
Product: Student loan

I tired goin to this school for 30 days and witness all types of fraudulent and XXXX  activities going on i.e getting anyone off the street basers bums homeless people just to sign them up and get the funds from the government .... I then moved out of state which was the addition reason I left the school years later I received documentation stating that these people have received over 3,000 + dollars in student loans that I never received or cashed a check for or anyting I've called they've given me XXXX stories for weeks at a time and they're trying to tell me now that is Under New Management so they don't have anything to do with what was going on when I was there
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX XXXX 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 : {$240.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Date open XX/XX/XXXX Status paid/closed Amount XXXX Reported by data furnisher XXXX XXXX XXXX Amount XXXX Days open XX/XX/XXXX Status closed Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, XXXX and TransUnion ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these inquiries : Inquiries : XXXX : XXXXXXXX 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  However, they stated everything was complete and accurate XXXX 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 supposed to modify inquiries that aren't reported 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 an 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: Checking or savings account

I called on XX/XX/XXXX or XXXX to place a stop payment on my account. I was told that there was a chance the merchant could still debit my account. At that time I requested a cancellation of my debit card. I went into the branch on XXXX to receive a new card. On the XXXX of XXXX the merchant then debited my account multiple times because the customer service representative never cancelled my card as requested and the branch representative never cancel my card as the should have.
Product: Vehicle loan or lease

My mom called United Auto Credit for me because I noticed they were still reporting as missed payments. The first guy we talked to, XXXX, gave my mom information about the debt without me authorizing him to talk to her. She then got transferred to XXXX who gave her information also without my authorizing her to talk to her. The conversation went on for about XXXX minutes until XXXX said that she doesnt even have the right to talk to her because I never authorized it. In that time, XXXX said that she can have her speak to a supervisor but once the tables turned there was no one to speak to. She was put on hold and eventually hung up on after being called rude and other stuff by XXXX. The third go around we were helped by XXXX who got us to XXXX. He was less than helpful with the whole situation too and said he was getting us XXXX. XXXX didnt even pick up the phone. ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I was advised by cash app customer support that the {$1800.00} and {$670.00} payments to $ XXXX were successfully refunded on XX/XX/22 AT XXXX XXXX to my linked debit card ending in XXXX prior to filing a payment dispute with my card-issuing bank ( XXXX ) on XX/XX/22 AT XXXX XXXX. I have contacted my bank ( XXXX ) and they advised me that they have never received a refund from cash app regarding these payments. The payments were unauthorized and were a scam. The card ending in XXXX was stolen and a new card had to be ordered.
Product: Checking or savings account

I was charged an overdraft fee of {$35.00} twice in XXXX week and XXXX on the same day. I did not think that it was in the policy of my bank to charge me so many times, especially on the same day. There should be more notices before just charging a card multiple times. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Mortgage

My problem is the interest calculation for a mortgage loan in the final weeks before a payoff. 

I took out this loan in XXXX 2016 and made regular payments ending with my regular payment on XXXX XXXX, 2016. I have no problem with the servicing of this loan through XXXX XXXX, 2016. Starting on XXXX XXXX, 2016 I began making a series of additional payments with the intent of paying off the mortgage in early XXXX. I am making the final payoff as using the payoff amount requested by Franklin American this Friday XXXX XXXX. I dispute this amount. I am paying it in full at this time, but am asking for a review of this amount and a refund if they have made an error. 

Basically, I can not understand the interest calculation for the period following XXXX XXXX through the final payoff on XXXX XXXX. In particular, my Franklin statement shows that a portion of the payment I made on XXXX XXXX is allocated for interest. This amount of {$890.00}. I do not understand their reasoning. I talked to a representative on the phone before making this payment and was told that the entire payment would go towards principal reduction since I had already made my regular XXXX payment a day earlier. Then to my shock I looked at my account and saw that {$890.00} was credited for " future '' interest in XXXX. This premature calculation of " future '' interest is absurd as the loan will be fully paid off long before then. I think the interest calculation should be based on the actual principal owing at the end of the month, not some hypothetical " future '' assumed principal. 

I attempted to explain this to a Franklin representative on the phone and was not able to get her to make an adjustment or get her to provide documentation or a calculation showing their methodology. 

In my opinion I have now overpaid this loan. I am not sure of the exact amount, but estimate that it is on the order of {$700.00}. I request that you compel them to do a proper interest calculation, furnish this calculation to me, and refund the appropriate difference to me.