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

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

With no dates, as of XX/XX/2022, it shows I have a delinquent account by XXXX days. I have checked every account through XXXX. This is not the case. Equifax is incorrectly reporting my credit and caused it to decrease by XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please remove fraudulent accounts and hard inquiries Off my credit profile From XXXX, XXXX and TransUnion immediately! 

XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX bank XXXX {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.
Product: Credit card or prepaid card

I received a notice on a credit monitoring site that Capital One has closed my Credit Card Accounts without even contacting me and will not explain to me their reasons. I have NEVER been late with my payments on these or other accts on my credit reports. This is very unfortunate and disturbing that an organization that seems to have such a good reputation would do something close my accounts ( even though I have Excellent Credit and Credit Scores ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXL XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on multiple occasions with XXXX, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX  and XXXX and nothing changes every time I file a dispute. I run a small business which is a sole proprietorship which is the only income for my family of XXXX  children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.
Product: Debt collection

I was a customer of XXXXXXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The last service date with XXXX XXXX was XX/XX/XXXX. I received a debt collector letter dated XX/XX/XXXX stating that I owed XXXXXXXX XXXX {$80.00}. I checked my online XXXX account and it showed that the amount I owed them was {$61.00}. This amount is shown on the final bill dated XX/XX/XXXX and is in the attachments. I paid the {$61.00} on XX/XX/XXXX and dispute the {$80.00} shown in the debt collection letter.
Product: Debt collection

Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. 

accountdiscoverysystems.com
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, and Equifax it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/year> {$44000.00} I have contacted them but nothing was done about it.
Product: Money transfer, virtual currency, or money service

PayPal is often used by sellers to process transactions and consent to recurring payments. Until recently, they had a Recurring payments dashboard in which you could see what companies they were taking funds from my bank account on behalf. 

I used paypal because of the expectation that I could identify and cancel recurring third party paid services ( such as streaming services ) through them. Without notice they have removed this feature and made the font on the transaction record much smaller. 

I think this is confusing and created a false expectation.
Product: Credit reporting or other personal consumer reports

These late payments don't align with my typical payment habits.
Product: Debt collection

I just started monitoring my credit in XX/XX/2023 and and was notified by XXXX XXXX that a medical collections account was placed in my name, that I have zero knowledge of, nor have I event been contacted by the agency to be made aware of this account. The only information I have on this owed debt is the following : Account Number : ( Unknown ) Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened : XX/XX/2023 Responsibility : Individual Account Account Type : open Loan Type : XXXX XXXX Balance : {$980.00} Last Payment Amount : {$0.00} Original Amount : {$980.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Past Due : {$980.00} I want to file a complaint due to the adverse action take by this collection agency and it now affecting my credit report when they never reached out to me prior to verify if this debt is even mine!
Product: Debt collection

I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the two of us, and we have excellent credit. XXXX referred us to a company called XXXX XXXX ( XXXX Zions Debt Holdings ). After confirming that XXXX XXXX purchased this account, I agreed to contact XXXX XXXX. I explained to the collections agent at XXXX XXXX why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. The " supervisor '', XXXX XXXX, immediately sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually, we came to a point where she was condescending, rude, and she loudly declared, You dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said, If you dont want this on your credit then learn to pay your bills. We pay all of our legitimately owed bills and do not deserve to be treated this way when calling to obtain information. 

When I recently filed a complaint against XXXX XXXX with CFPB ( on XX/XX/23 ), it was marked " resolved '' because the company responded that XXXX XXXX isn't in business, and to contact Zions Debt Holdings instead ( even though the 2 companies are affiliates, and even XXXX doesn't seem to be aware of the name difference, since they're referring past customers to " XXXX XXXX '' ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and wish to have this fraudulent account removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Student loan

After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.
Product: Credit card or prepaid card

Hello, On XXXX XXXX, I applied for membership with Navy federal. I also was encouraged by the customer service representatives to take advantage of of their products and services.

With the same representative I applied for the Navy Federal Platinum Credit Card.

After the rep asked the pertinent questions I was told, I was denied.

I will admit I was a little discouraged to say the least.

Navy Federal is know for being lenient with credit scores. I also realized I was in the low XXXX. 
However, I wasnt discouraged because I know people who were approved with less that XXXX credit score. 
I only wanted the credit card to boost my credit score, so that eventually my credit score would be increased in the future. 
I'm hoping you can help me with this dilemma.
Product: Debt collection

I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the XXXX asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from Tate and Kirlin Associates , INC for the same bill.
Product: Credit card or prepaid card

In XX/XX/2018Bank of America closed my BANKAMERICARD without informing me that they were going to close it or the reasons why. I called Bank of America to see if we could come to a resolution but I was told that Bank of America sometimes closes accounts for no reason. I found this very disappointing as I worked very hard for this card because it was a secured card.
Product: Credit reporting or other personal consumer reports

On the dates listed below I requested the validation and removal of derogatory information that is being reported on my credit report : - XX/XX/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 XXXXXX/XX/XXXX Balance : {$10000.00} The consumer reporting agency has not investigated, removed or adhered to my request or the law.
Product: Debt collection

I have an open case and I was disputing collection debt that was already paid by my lawyer. I went to speak with my lawyer and he said the same day I was sent to collections the law firm sent the payment. They literally crossed each other at the same time but I was told by my lawyer XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I was told they took care of all my medical bills and this is true and we have already contacted the company and my original complaint id with cfpb is XXXX The reason for this new complaint is that they sent me to collections AGAIN for a {$64.00} debt THAT WAS PAID FOR ALREADY!! Please help me they are ruining my credit I was above an XXXX score and these two collection debts have destroyed me and I am in process of looking to purchase a home. PLEASE HELP ME!! I was a victim in a car accident and now I am being victimized again and it is not fair considering they were paid in FULL. My lawyer sent a check for {$330.00} which covered several different charges two of which I was sent to collections over and probably have more that they will send to collections if this isnt handled but the {$330.00} covered all of my bills!! I will attach proof in documents as well
Product: Credit reporting or other personal consumer reports

This complaint is additional to my previous complaint # XXXX Experian still has not properly investigated and has ended the dispute resulting in this item still being on my credit report
Product: Mortgage

I have paid my lender for an appraisal and the value came back at {$520000.00} and i have paid down my loan to below 75 % LTV. I have not been late on my mortgage for at least 24 months. I have requested multiple times that my Lender remove PMI since my LTV is 74.85 % now but they are not removing it. They are saying based on the original purchase price my LTV is higher than 80 %. 

My Loan Amount : {$380000.00} My Appraised Value : {$520000.00} I have included a copy of the appraisal as ordered and provided by the Lender and can verifying a property value of {$520000.00}. The Lenders website is also showing a property value of {$520000.00}. 

Please help as the Lender keeps making excuses and not removing the PMI.
Product: Student loan

At the beginning of   XXXX   I started the process to have my payment reduced through  XXXX . Every other month I would check in on the process to see how things were going. Each time I would be informed that they needed my Tax Docs or need a new application. I would comply and submit the documents, but the next month I would receive the same feedback. After a year they were finally able to derive my new payment. At that time I spoke with a supervisor and asked her to explore if the interest accrued during the extended period could be forgiven since this was purely the fault of FedLoan Servicing. After a couple of weeks she said that it was determined that  FedLoan  was at fault and that I would not be charged the interest accrued during that time. Today I learned that I was in fact charged the entirety of the interest despite their admission that they delayed the entire process.
Product: Vehicle loan or lease

I had purchased a car back in XXXX and the dealership added additional coverage service contracts to my loan without informing me. The next day I went back to them to have the lien revised but they refused and said they couldnt do this. They told me In order for me to cancel this I had to wait 3 month and then come to them to cancel the contracts. And promised me that I will get all my money back. When I went back to them they gave me the runaround and told me they will take care of it. After almost a month, they didnt and I called the service contract and cancelled the policy in XXXX. 
Now the service contract service deducted {$1000.00} from the contract and balance of the check was sent back to dealership. They still didnt send it over to lien holder. Why should I be charged XXXX for something that I did not purchase. I would like a full refund sent back to my lien holder. Its been 9 months and I going in circles. What is the next step I need to take Please advise and help Thank you
Product: Credit reporting or other personal consumer reports

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as XXXX XXXX and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ;
Product: Mortgage

The whole process was a disaster. I'll keep it to the important details for brevity. 

I refinanced my FHA mortgage to a conventional mortgage with Citizens Bank. Their sales pitch was that it would save me {$200.00} a month. This was an escrowed mortgage. When I got my school taxes in the mail, I called to make sure they were paid. They were not. They were on file, but for some reason never paid. Also, when they sent me an escrow refund or whatever, they overpaid me back with no explanation. I called them and they said they didn't know what it is, but I should go ahead and cash it. Now my school taxes are late and they have a penalty. I am now short in my escrow account by over a XXXX dollars. I'll have to overfund it to make sure I have enough for real estate taxes. Their only answer to me ( after waiting on the phone for an hour in a half ) is that they also XXXX  up because they didn't collect enough money at closing. However, this was a no money down at closing loan! They rolled in the costs to the loan. Now I am concerned that my {$200.00} savings as promised is not {$200.00} and my mortgage balance has gone up by thousands! This was a bait and switch and had multiple mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by Capital One to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.