23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXXbalance {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXXAccount high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I guaranteed a school loan for my daughter XXXX and a lawsuit was brought by National XXXX or their assignee back in XXXX. The matter was settled by a stipulation that was filed on the Court Docket. The total settlement amount was {$12000.00}. The following payments were made : XX/XX/XXXX - {$4400.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$300.00} The matter was stayed due to the pandemic and then, to my understanding the balance of the debt was forgiven. I have heard nothing further from plaintiff 's counsel, as required, in order to enforce. 

Last week, I received two telephone calls from XXXX XXXX ( XXXX ) who claims that he is acting on behalf of a third party debt collector, XXXX XXXX XXXX XXXX Today, XXXX XXXX XXXX XXXX XXXX insisting that I owe {$35000.00} and he should arrange for me to call and pay immediately - and should I fail to do so, he will immediately seize my property and XXXX XXXX property. 

I called XXXX. He demand {$35000.00}. I told him about the stipulation and court case. He claimed that no stipulation exists. I told XXXX that under the 15 USC 1692g he was under an obligation to send me a demand in writing and to afford me the right to validate the debt in writing. He claimed that neither he nor his company have any obligation to follow 15 USC 1692g or any other " silly rule ''. 

XXXX has committed the following acts of wrongdoing : a ) Misrepresentation that {$35000.00} is due when in fact, no debt exists for that amount. 
b ) Refusing to recognize the court case ( attached ), the stipulation of settlement ( attached ) and my payments ( attached ). 
c ) False and Misleading representations as prohibited under 15 USC 1692e.

d ) Violation of 15 USC 1692f for threatening to take nonjudicial action to seize my property when in fact, no legal right exists to seize my property.
Product: Credit reporting or other personal consumer reports

XXXX credit inquiries from XXXX XXXX were maid fraudulently and without my consent. It is imperative that these inquiries are deleted from my acct asap
Product: Credit card

Hi I was a victim of fraud. I got frauded on XXXX XXXX. Someone that acted like Wells Fargo hacked into my account with out my permission. They acted like the bank with same number and codes they give you to make sure its you. They went into my credit cards and did a wire transfer without my permission. Not even the bank called. I called them and showed up at the branch.The amount was XXXX though my personal credit card and the other was XXXX though my business credit card. They access my credit cards got the money to my checking and then the thiefs wired it to there bank. I dont even know how if I had limits or how they do that.! Point being I filled a police report I have contacted Wells Fargo lots of timesss and have lots of case numbers and they dont fix the promblem. I am mentally drained and feel helpless the only reason I have been making minimum payments its because I dont want my credit to be affected. I have children I dont know what to do anymore thats why I am here I feel this has be so unfair. I did everything since it happen and been verrry patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I called Navient on XX/XX/XXXX, and I spoke with a rep about the account. I was told that I did not recertify my IDR, but I told the rep that I faxed all of my information months ago before the date that it should have been done, but on the studentaid.gov site, it states that IDRs were not due until XXXX. Even though studentaid.gov had the message on the site, I still sumbitted my information anyway. I submitted my PLSF for my other loans, and I submitted my IDR renewal to be on the safe side because I had felt that it could be an issue, and at this time, it still seems that it became an issue. Unfortunately due to all of these changes and issues with student loans of so many lawsuits and information changing, I called and spoke with a rep ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to inquire about what I saw. I was told by the reps, and they confirmed that I did not have to submit an IDR at this time due to changes, but I advised that I did anyway. When I did, they said that it probably would not be processed due to I did not have to do one because of the extension and the changes with student loans, so I was like ok and thought everything was fine. Now to fast forward, when I spoke with someone from Navient, I was told that I was behind 2 weeks in payment because I did not submit an IDR even though I know that I did. She did say that she believed that I did submit them based upon all the same information that I am providing here, but my issue is the miscommunication of all of these changes of the handling of loans from lender to lender. She said that if I did, that my application may have not been transferred over when the systems change which frustrated me due to I felt that this was not my fault. I told her that I would resubmit it, and she did offer to put me in a forbearance to allow me time to get the documents to Navient again and to allow them time to process it. She mentioned about the consolidations which I did tell her that I did consolidate a few of my loans, but not all of them due to the uncertainty of the changes with student loans. I didn't trust what has been going on so far, so I consolidated a few to see how things would turn out. She mentioned maybe consolidating my other loans, and I told her no due to the time frame had passed, and it would start all of my counts back over. She paused for a moment, and then agreed with what I said. For me these are the things of the miscommunication and incorrect information that can be provided to us as current or prior students that keeps us in this type of debt forever because of the neverending cycle of information that is given to us from the supposedly experts. Now, at this point, I am in a temporary forbearance due to Navient said that I owed {$670.00} because I did not renew my IDR when I know that I submitted it. I wlll submit it again, but I want this documented of the issues that I have had with Navient. I have had to place a prior claim of issue with them due to a lack of communication on their part still regarding payments and processing.
Product: Mortgage

Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me. 

Spoke with supervisor XXXX on the phone who offered no resolution.
Product: Credit reporting or other personal consumer reports

As of XXXX of XXXX, my student loans, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXX of XXXX  and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXX student loans. In fact, those loans are still showing up as open with the original balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX XXXX XXXX. {$590.00} written off. 
XXXX Potentially negative Date XXXX XXXX XXXX. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

XX/XX/XXXX - I made a purchase on XXXX for {$44.00} XX/XX/XXXX- realized the website is a scam site. Requested a refund via cashapp support and emailed the merchant to request a refund XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - I refiled the purchase dispute along with the evidence that the purchase was made on a scam website and every time cashapp denied my dispute saying that the website was not a scam and stating they emailed me the evidence used to determine their denial and they never gave me the information. And actually closed my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Bank account or service

On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed the inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Debt collection

I have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.
Product: Credit card or prepaid card

I have purchased a state ID twice only to not received my products in the mail my as far as other items not received in the mail fraudulent activity I have been in contact with the agencies but no help it's frustrating I also show a pending charge for venture for two weeks seems as though XXXX is involved what entity assigned XXXX to deduct payments with out permissions seems as though it is fraudulent activity on XXXX and credit card company
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


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

In accordance the Fair Credit Report Act XXXX Account # XXXX 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX initiated a real time bank to bank transfer which they claimed was sent instantly to my Wells Fargo account. They've supposedly escalated issue and assure me money is on Wells Fargo end and to call them to see where my expected {$290.00} instant transfer from XXXX went. I called and talked to XXXX, who proceeded to gaslight me and kept robotically repeating that ACH transfers take money. He didnt know what a real time transfer was. He kept saying that it was an ACH transfer even though it wasnt then he claimed he couldnt see any transfers coming in. SO apparently Wells Fargo or XXXX are holding almost XXXX dollars owed to me XXXX. Wells Fargo is refusing to assist further in finding my money.
Product: Mortgage

In XX/XX/XXXX I submitted principal payments on my mortgage due to the sale of my prior residence which reduced the balance to less than 78 % LTV ; based on the original value of the home. The home had been purchased in XX/XX/XXXX. Based on the rules established in the Homeowners Protection Act, I believe that should have automatically relieved me of my PMI obligation. ( As of XX/XX/XXXX, my LTV is around 50 %. ) I believed this would be released automatically, based on the regulation. However as weeks went on and my regular payment amount was not adjusted, I gave them a call. They said to email ; which I promptly did. The response to the email came via mail ; when they informed me that they would not be removing the PMI without a new evaluation being completed ; which I would have to pay for. 

I spoke to them again about this on the phone in the month of XXXX and I was advised that it is standard to have to pay PMI for 2 years regardless of the LTV but I do not understand why. That doesn't seem right. 

Am I missing something in the regulation? As far as I can tell it should have been removed way back in XXXX. I am currently working on refinancing the debt, in part to take care of the issue, however, in the meantime, this is causing me financial harm as I have currently now paid the PMI for 3 months when I don't believe it was needed. Depending on how long the refinance takes to process through, it will be close to, if not over {$200.00} out of my pocket for a loan where there is no increased risk to the Bank. I've never missed a payment and it's at 50 % LTV.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is breaking the consumer law with their improper use of my report.