23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Student loan

I am a co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now
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. 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

On XX/XX/2024 I receive an envelop from Mortgage Connect on the inside was a paper titled correction to original recorded instrument. I have no personal knowledge of mortgage connect, after researching the company, it portrays itself to be a mortgage broker, and do title services for mortgage brokers. I investigated to see if the company is licensed in the state of Texas to perform title work and it is not. the police report for identity theft on mortgage connect, discovered that mortgage connect use my personal private information to steal the title to my home and a debt collection company with unlawfully refinancing my mortgage on my credit report. I have no contractual agreements with mortgage connect and never signed any documents with them. They do not have the right to put me in a new mortgage loan with a debt collection company.
Product: Credit reporting 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY. 

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to in adequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) pacifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the Electronic Funds Transfer action ( EFTA ) and regulation E These actions has caused significant inconvenience and financial loss and I seek appropriate. Redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report.

As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report.

Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If Experian can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report.

Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. 

Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not taking this XXXX seriously. On my times and she is ignoring me about my credit score abs not to delete everything off completely of my address , inquires, collections department they are holding and lying 35 XXXX  times. I have to then to court pretty soon.  People can't fix my XXXX sincXX/XX/XXXX, or on my XXXX times . Off now. And the XXXX date to where I cant see it no more on my XXXX phone XXXX as well. .
Product: Credit card or prepaid card

After 25 years with the credit card I called to cancel the card prior to the renewal date and then stated my reason was the {$95.00} annual fee. I was told while they could not waive the annual fee they could offer to provided a {$95.00} credit against future ( three months ) purchases after the renewal fee was paid and purchases equal to {$95.00} were made. This was because I wa # a good long term customer. 

I agreed and now I am told after multiple inquires about that {$95.00} offer rebate that was expired in XXXX 2017 which is not the time frame I was promised. However, they always offer to investigate. 

A true bait and switch offer against a long time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under XXXX USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.
Product: Checking or savings account

Overdraft fees not supposed to be there a while ago i dint have the screen shot this is for that legal complaint that im supposed to recieve a repay online
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.
Product: Mortgage

I eagerly opened the e-mail sent ( XXXX/XXXX/15 ) from cfpb regarding my complaint XXXX. You can not imagine my disappointment when I read that Wells Fargo required additional time to complete their research. When I first spoke with XXXX XXXX she indicated 10-14 business days. I was utterly amazed to also that XXXX XXXX XXXX ( Wells Fargo XXXX ext XXXX ) asserted that she was unable to contact our legal counsel XXXX. I immediately contacted them, without difficulty, and discovered that there is NO record of Me XXXX, or any other person from Wells Fargo of attempting to reach the Office. Our Counsel attempted to contact XXXX XXXX numerous times ( on XXXX/XXXX/15 ) as did I, but to no avail. I will call her daily and attept to determine what information is required to complete her research. 
My Lawyer is leaving the XXXX XXXX XXXX effective immediately. I have been handling all correspondence to Wells Fargo regarding this situation and wish to continue to do so. 
Please contact me ( directly or through cfpb ) on all matters relating to XXXX XXXX XXXX, loan # XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of a recent disputed information in my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fined a lawsuit against Experian alleging systematic issues such as failure to forward customer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor remove the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer
Product: Credit reporting

I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account.
Product: Credit reporting or other personal consumer reports

I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved discrepancies on my credit report, as reported by Experian. On XX/XX/XXXX, I initially contacted Experian to address the inaccuracies in the report. Regrettably, despite the passage of time, I have yet to receive a response from Experian. As a consumer, I believe that Experian is obligated to adhere to federal laws and regulations, particularly the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccuracies and the corrective actions I am requesting : XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$670.00} ) : The mentioned account is not mine, and I request its immediate removal from my credit report. 

XXXX XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ) : The reported balance of {$700.00} appears to be higher than my recollection. 
As the account is presented as closed, the Past Due amount should not be provided. I urge Experian to rectify this information and report the account as disputed. 

XXXX XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ) : The reported balance of {$420.00} does not align with my memory of a lower amount. 
The presentation of a Past Due amount for a closed, charged-off account is inaccurate. I request Experian to revise this information and mark the account as disputed.
Product: Checking or savings account

I am writing to file a complaint against Navvy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT AND REALIZED I HAVE UNAUTHORIZED INQUIRIEES THAT DO NOT BELONG TO ME, THIS IS FALS AND I HAVE BEEN A VICTIM OF IDENTITY THEFT AND IN THE DATA BREACH -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account is invalid and I communicated that to the debt collection agency over 3 years ago. They were unable to provide any documentation to support the claim that {$2000.00} was owed. My medical insurance company XXXX paid the XXXX bill in full, and continued to be billed after services were completed. <P/>Fidelity Creditor Service filed a lawsuit against me. Failed to ever serve me, however filed a false proof of service in XX/XX/XXXX. A summary judgement was issued against me in XX/XX/XXXX. I was not notified of any of the proceedings. <P/>I received a garnishment letter from my employer on XX/XX/XXXX. This is the first time I was made aware of any lawsuit or judgement being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

New Dispute Letter Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately 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 This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on XXXX XXXX XXXX XXXX  Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX XXXX willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Mortgage

Wells Fargo turned down my loan application due to " accepting Covid-19 relieft '' which I did NOT accept or request, nor did I use. Previously I had a near impossible time getting a return phone call from my mortgage representative. Once I finally reached her supervisor, I wasn't given the same reason for my denial. Now it was they don't offer the type credit I requested. Which is 100 % isn't true. I'm fairly confident that my persistent follow up and their lack of communication resulted in them not wanting to do business with myself, but that lacks a business reason and I feel I wasn't given proper or fair consideration.
Product: Mortgage

This company was processing payments of {$4800.00} dollars each month, paid directly out of my bank account for 9 months. ( I have bank statements to support this ) lead my family to believe they were working on a modification, or repayment plan. When in fact they were processing a foreclosure all the time. There is no reason financial or other wise myself and my wife can not me a fair financial payment. But we were not offered a reasonable chance. We are law abiding taxpayer Americans, and I believe we diserve a chance to protect the future of our children. Thank you for listening
Product: Debt collection

I purchased a car from XXXX XXXX XXXX XXXX and fell on hard times. My car was repossessed, and the debt sold to Account Resolution Association/Persolve. The debt is collecting interest and is currently nearly double the original cost of the car and certainly over the remaining charges after the car was repossessed, at {$20000.00}. The car was repossessed and yet they are charging me the cost of a new car and have not provided a break down of the charges. This is highly predatory considering the amount is so high it prevents me from ever being able to purchase another car or a home. I have tried disputing this debt several times and recieved no help. I would like the company to be investigated for gouging their costs and trying to bully consumers into paying hiked up fees, well over the original debt. XXXX/XXXX is already a horrible company in itself but the company that they hired for debt collection is worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE