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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - BALANCE {$110.00} - Date opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$690.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$18.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$14000.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$9300.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$5200.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$460.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$570.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$990.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

3 Medical collections on my credit report without my knowledge from ( XXXX XXXX XXXX  XXXX : Credit Dispute XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX )??? how? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send meALL the following documents to me. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide the following or delete from my credit report. 

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service
Product: Student loan

I filed a complaint with CFPB in regards to my Navient private student loans. I was claiming that my loans should be discharged due to misconduct on the part of my school ( XXXX XXXX XXXX XXXX ). I received an application from Navient and I returned it with supporting documentation. They Denied me without any explanation. Sense then the DOE has determined that my loans were approved for discharge and full removal from my credit report. Now XXXX services Navient loans and every time that I try to explain my situation they just want money. I am submitting documents that will explain. It doesn't make sense that the federal government has discharged these loans and Navient can even do the right thing and discharge my loans. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I am requesting method of verification for my recent dispute. 

Provide method of verification for dispute results The accounts in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Under the FCRA and Metro 2 compliance standards, you are required to ensure that the information furnished is accurate, complete, and verifiable. I request that you provide the following : 1. The specific method used to verify this account. 
2. The name and contact details of the entity that verified this information. 
3. A copy of all documentation or communications received from the data furnisher to validate this account. 
4. Confirmation that the furnisher complied with Metro 2 guidelines, ensuring compliance with e-OSCAR procedures and proper reporting formats.
Product: Mortgage

I discovered on XXXX/XXXX/2015 that my property taxes were not paid by my mortgage companies escrow department. I contacted them to find out the reason and discovered that they had the wrong parcel number on file and paid another parcel number tax amount. The amount paid was more than {$2500.00} than my parcel tax amount. The tax department told me that they would open a case to look into the issue and that I would have to call back in 10 days, as the tax department can not make outbound calls. I called back 10 days later to find out that they requested a refund on the original amount paid and that they paid my taxes correctly now. I questioned them on the amount paid this time and again it was not the correct amount. When I questioned them, they said that they would open a case on it and I would have to contact them in 10 days. I was very upset and asked to speak to someone that could help and I was told to contact customer service. I contacted customer service and explained all of this and they said that they would look into and get back to me. I requested statements on my escrow account and they provided. I received the statements to only find out that my escrow account is negative due to both wrong payments and my monthly mortgage payment would be increasing. Now realize, I have been paying an inflated escrow payment due to the original parcel number/property tax mistake. I was assured a call back on XXXX with an update and resolution. I never received the call. I called and asked for the agent ( by their agent number ) and the agent was not available and I was assured a call back from the agent the next day XXXX. I never received that call. I called back again today XXXX and tried to get to a manager or supervisor and was only given another agent. Again I was told that they are still working on reconciling the account, waiting on their checks to be returned and my escrow account to be updated before they will pay my property taxes. Property taxes not paid by XXXX/XXXX/2015 are considered delinquent and subject to penalties including late fees. Taxes not paid by XXXX/XXXX/2015, the tax certificates are sold and liens and other severe penalties are enforced. When notifying my mortgage company escrow department, there answer is " I 'm sorry sir, we are doing everything we can to resolve this and can not give you an expected update. We have to wait for the checks to be return, funds to be added back to your account, and then we can pay your taxes. '' I ask how long will this take? " It can take up to 90 days for refunds and I 'm sorry sir, we have cases open now and do not have an exact time frame but we will notify you. '' I have over XXXX hours and more than XXXX calls in to multiple divisions of the mortgage company, escrow and tax departments. I have asked for a manager or supervisor on almost all of these occasions and have not once been transferred to XXXX. Lastly, this is not my first year with the mortgage company. The previous years they had and paid the correct amount. In XXXX of the calls, they told me that they were reorganizing their tax department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. XXXX XXXX removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit reporting 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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX. XXXX, XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 

Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX, XXXX XXXX  XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company. 

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit?
Product: Credit card or prepaid card

On XX/XX/05 I was assessed a {$10.00} fee for " A XXXX XXXX XXXX fee is charged when you purchase foreign currency, money orders or travelers checks from a nonfinancial institution, or person-to-person money transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your card or account number ( including through the use of an enabled mobile device ). This fee can be a flat amount or a transaction percentage. Your Card Account Agreement contains information about all the rates and fees associated with your account. '' Company has abused fee scheduling in the past & is hiding behind this company not being a " financial institution '' Please get rid of your clunky payment system, own up to the {$60.00} in fees you charged my savings account & stole from my grandmother & stop charging fees. I do not need your lending services & will be moving my money elsewhere & advising others to do the same
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I spoke with a representative at Equifax on XX/XX/XXXX about a late payment that they reported as late back on XX/XX/XXXX. I was told to submit a request to have the falsely stated amount of a late payment of {$210.00}, which I paid, to be removed from my credit report. You can reference my payment history on all of my other bureau accounts and they show 100 % on time payments. Equifax is the only reporting bureau that is reporting a late payment on my credit report, and I don't understand why. I WANT THE LATE PAYMENT TO BE REMOVED IMMEDIATELY AS SOON AS POSSIBLE, because this is ruining my life and credit report. I can not rent a place or get a loan to stay because of this bad mark on my report. PLEASE REMOVE THE LATE PAYMENT IMMEDIATELY. 

In accordance with the Fair Credit Reporting Act Equifax, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX 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

I have noticed that the credit reporting bureau, Equifax has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with XXXX XXXX, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with Equifax and provided copy of my credit card statement with XXXX. It still hasnt been removed. Equifax is doing shady business practices. I havent had these issues with any other credit reporting agency.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed COMENITY CAPITAL BANK/THE and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card

I submitted a dispute with CITI for a credit card ending in XXXX back in XX/XX/2023. All the disputes have resolved except for a few. The disputes that have not yet been resolved are : {$560.00} XXXX on XX/XX/2023 and XXXX XXXX on XX/XX/2023. 

They have provided temporary security credit but as of XX/XX/XXXX, they still have the investigation open. They let me know on XX/XX/XXXX, they have no been able to reach the merchant XXXX What is frustrating is that all other transactions from this merchant have been disputed and investigation closed as fraud except for the above XXXX. As I told CITI multiple times, through their Executive Response team, that I have not used XXXX and I have not travelled to XXXX, where this charge was made. I can prove this easily via my XXXX XXXX card, a federal program that tracks where travellers go and provides them with easy access to other countries. I have not left country ( as proven by them ) and yet these charges are still under investigation, when its clearly fraud. I was making charges in California same day as these XXXX charges in another country were made by a fraudster. Clearly, Fraud! 

Its been over 90 days since CITI has been working on this, well past the FEDERAL LAW WHICH STATES : " Within 90 days of getting your complaint, the issuer must resolve the dispute. '' ( this is from : https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges # exercise ). 

They are in total violation of the federal consumer law that protects me from credit card fraud. I require a permanent refund/credit for the amounts above from XXXX and the investigation to be closed. I am totally unsatisfied by how slow this process has been, despite escalations and multiple complaints.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.