23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.
Product: Debt collection

I received federal student loans from XXXX XXXX in XXXX. The loans were discharged/ forgiven since the school ( XXXX XXXX ) engaged in fraudulent misconduct as there was a lawsuit this company. The loans were later transferred to XXXX ( Now XXXX ) in XXXX which discontinued federal loans and only engaged in private loans from this time moving forward. Now, XXXX XXXX XXXX ( NES ) based in XXXX is charging me for one of my federal loans in that amount of {$10000.00} which was initially {$5700.00} with an added interest of XXXX and an additional fee of {$25.00}. the initial loan was federally discharged and forgiven, but in the interim between XXXX XXXX and XXXX, this information was lost. XXXX ( XXXX ) refuses to assist me and constantly transfers me to National Enterprise Systems. I can send information from the XXXX XXXX XXXX department that this loan was completely cleared. Additionally, the amount reported by NES is not showing in my credit report at all. I question if this amount is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my credit account to midland funding and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX  Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I have informed Equifax many of times that the entries below are erroneous and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it. 
Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Equifax has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report. 
Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing a fraudulent account to remain on my credit report. I have submitted all of the required documentation to support the fact that the account is fraudulent. I have also contacted the company XXXX XXXX XXXX XXXX who told me that have no record of the account. I asked Equifax who told me that XXXX has verified the account and I asked them to send me information or provide documentation of the verification, Equifax representative told me they do not required XXXX to provide anything, and that they simply verify by giving Equifax there word that the account is verified. Equifax has not investigated this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX acct # XXXX, Child support XXXX XXXX acct # XXXX, online in sv acct # XXXX, XXXX XXXXv acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX 60/30 day late payments has violated my rights. 

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.
Product: Debt collection

This Debt is not mine and I have asked for validation that this debt does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Innovis to ask to have a freeze put on the consumer report that they have in their records. Upon the representative answering the phone she asked me for my information to verify my information so that she may put a freeze on my account. I gave her my name, social security information and date of birth. 

A few seconds later she called me a name that i am disputing that is on my credit file that doesn't belong to me. I kindly repeated my name for her to put me on hold. She then comes back and ask me to verify more information so that she will be able to put the freeze on and to send me the copy of my report that they are sending out with false information on. She starts to asking me to name the credit cards i have and when i tell her she ask me are you sure you never had any more ... .I said you ask me to tell you XXXX credit card that i have and i gave you that, now your asking me for another and i gave you that... 

Why would i tell you i have a credit card and i dont have whatever it is your looking at in your records. She put 's me on hold and finally after about XXXX minutes on hold another lady comes on the phone and does the exact same thing ... .but this time she starts asking me about a address that is not even mine but was my grandmothers address. I never lived there, nor have i ever received any mail or nothing there. 

This is causing severe harm to my life and reputation for this company to be giving out false information on me and refusing to stop this by not putting a freeze on whatever the lies their sending out and letting me see what it is they have in their file so that i can dispute it. However, i dont wan na dispute anything... 

I want my file deleted from their records. They have no right to be invading my privacy and sending false information to companies and verifying the information with information that they are requesting from me. How can you be giving out consumer information on the consumer demanding information from the consumer... but making judgement 's on the consumer 's life and financial well being by saying if he's a good person or a bad person. 

These people are still going to be sending out false information on me even after i have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating my rights under the Fair Credit Report Act. Experian has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Experian there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts XXXX XXXX XXXX  ( Opened XXXX XXXX XXXX ( Opened XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  ( opened XXXX ) XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX ) HARD INQUIRIES : XXXX XXXX ( XXXX XXXX XXXX XXXX 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 XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX data breach, I look foward to your response, Thank You.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding a series of unauthorized transactions on my CURRENT Bank account ( also known as XXXX XXXX XXXX ), which have resulted in significant financial hardship for me. I kindly request your intervention to help resolve this matter promptly and fairly. 
I noticed three unauthorized charges on my CURRENT Bank account, totaling {$450.00}, {$500.00}, and {$460.00}, respectively. I immediately reported these charges to CURRENT Bank, requesting that they investigate and refund the amounts to my account. Despite providing clear evidence and screenshots and a lot of proof, that these transactions were unauthorized and explaining that I had lost my card and had to replace it, CURRENT Bank denied all three dispute requests. 
I can not emphasize enough the impact that these denied dispute requests have had on my financial well-being. Not only did I experience a loss of almost {$1500.00} due to these unauthorized transactions, but I also faced severe difficulties in covering my bills and other essential expenses during that month. The situation was exacerbated by the fact that I had to wait for the unauthorized charges to be resolved, adding unnecessary stress to an already challenging time. 
I want to address the reason provided by CURRENT Bank for denying my dispute requests. They stated that the denial was based on the fact that I have previously done business with the merchant XXXX. I want to clarify that I did not authorize any of the transactions in question, and I have not knowingly engaged in any business with XXXX that would warrant these unauthorized charges. 
I believe that I have followed all necessary protocols and provided sufficient evidence to support my claim that these transactions were unauthorized. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that my rights as a consumer are upheld and that I receive a fair resolution. I am seeking a refund of the full amount of {$1400.00}, which I have lost due to these unauthorized transactions. 
I understand that the Consumer Financial Protection Bureau exists to protect consumers like me from unfair practices and to ensure that financial institutions operate with transparency and integrity. I kindly ask for your assistance in facilitating a resolution with CURRENT Bank, as I feel unjustly treated and unsupported in this matter. 
Please find attached copies of the relevant documentation, including statements, transaction records, and correspondence with CURRENT Bank. I am confident that a thorough review of these documents will confirm the validity of my claim. 
Thank you for taking the time to consider my situation. I look forward to your prompt response and a resolution that is fair and just.
Product: Mortgage

Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. Regards, XXXX