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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX  THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX Please Update all payment, all pay was made on time.
Product: Debt collection

Around the end of XX/XX/XXXX I received a letter from a 3rd party collection agency, Rausch Sturm stating  I had 30 days to dispute the charged off debt. 
On the XX/XX/XXXX I sent a Debt Validation letter to them per FDCPA section 15 USC 1692g Sec 809 ( b ) ( see attached ) Two months later and not 30 days as required by FDCPA I received a letter where they cited a case XXXX v XXXX from XX/XX/XXXX where all they had to produce was the last four of my SS #, the amount that was charged off and the current creditor, again which was incorrect because XXXX XXXX had already charged off this allegded debt in XX/XX/XXXX. I Should also state XXXX XXXX was not the orginal creditor and I have asked them several times to provide that to me. In researching the case they referenced I found that in XXXX v XXXX, XXXX, XXXX XXXX XXXX, XXXX in XX/XX/XXXX the court had established new guidelines for debt validation which included an itemized accounting. They also referred to the case from the letter sent to me where the court was quick to point out in that case and in another case the debt collector went beyone the standard verification and sent an itemized accounting from the date the account was opened with every transaction. I sent another letter to this 3rd party collection agency stating the case law they had reference they did not fully disclose the true findings of the court. I also informed them that they bought this charged off debt for pennies on the dollar and any monies paid to them would be a direct profit and would not clear the charged off debt. They then sent me a letter stating they were collecting this debt now under Texas Finance Code 392.202. I informed them that the orginal letter they sent in which I replied to was under FDCPA regulations and now they are changing it over to state which is way outside of the 30 day requirement. They produced nothing with my name on it or how the debt was incurred and as I stated they were way past the 30 day requirement in sending me this information as they stated in their orginal letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid for month. They mark it as paid but the balance is still XXXX. It needs to be XXXX and removed from my credit report as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish informatio n to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it co
mplete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of Education/XXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Product: Mortgage

In XXXX of 2022, XXXX Mortgage force placed insurance on my mortgage account because they thought I did not have insurance. I provided them with evidence of the insurance I had and asked them to stop escrowing my account and acknowledge receipt of the evidence in writing. They provided the evidence in writing, but did not stop escrowing the account. They have continued to escrow the account for nearly XXXX years now despite their customer service agents promising me many times that they would resolve this issue. Every payment that I make is misapplied with part of the balance going to escrow for insurance which they are not providing ( nor do I want them to ), literally to XXXX XXXX that my statements now show XXXX of dollars balance due for escrow that they are not providing. As a result, the money that should be getting applied to the principal of my balance is instead going to the fictitious insurance. 
I am including the statements in 2022 ( XXXX and XXXX ) where the balance was correct and then where the escrow was starting to be taken, my current statement showing where the escrow is still being taken and the high escrow balance amount, and the letter I received stating that the insurance issue was resolved.
Product: Mortgage

I have filed before, but this time a found the XXXX XXXX of my Loan. They are removing you as servicer of the loan and reassigning the Deed of Trust. I have attached the Letter he sent me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
Product: Credit card or prepaid card

My wife and I went to play XXXX on XXXX. We went to the counter, and purchased 2 packages to play. We were told that we had to do this as 2 transactions as each player needed their own receipt. We were ( appropriately ) charged for the cards and the XXXX. Several days later, we see on our credit card statement that we were also charged a {$20.00}, or {$10.00} per transaction ( greater than 30 % of our purchase ) as a " cash advance fee '' even though we never received any cash. There was no discussion/notification/prompt provided that this was a cash advance or anything different than a charge in exchange for goods. We contacted the credit card company ( Citi Bank ) who said they can not do anything because the vendor specified the transaction as a cash advance despite the fact cash was never rendered. This practice seems deceptive and leaves a customer vulnerable if the merchant is able to misclassify a transaction as a cash advance without disclosing that to the customer in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. 

I am aware that a consumer reporting agency can only report collections and charged to profit and loss accounts for a 7 year period only to items in a consumer file according to 15 USC 1681c ( c ) ( please find law attached ). I am aware that a consumer file and a consumer report are not the same documents according to federal law ( please find terms defined below ). 

With that being said because I am now aware the 7 year reporting period of collection and charge off 's doesn't apply to a CONSUMER REPORT and only to a consumer 's FILE I am demanding that you REMOVE the following collection and charges off 's from my Consumer Report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off XXXX XXXX XXXX XXXX Account # XXXX - Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX - Charge Off Once these account are removed from my consumer report, I am requesting a copy of my Consumer Report mailed to me, NOT my consumer FILE.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
Product: Checking or savings account

On XX/XX/2021, I made a purchase for XXXX face masks and other supplies from XXXX XXXX XXXX in New York. The purchase was a pre-order purchase that I was supposed to receive 2 months tops after my purchase. I never received my purchase months after I made the purchase and the company shut down their social media pages and their company website. The company as well stopped responding to my phone calls and email messages where I had been getting updates from them. They kept using supply chain issues with the cargo ships that are backed up at our ports and the pandemic as an excuse until they completely fell off the face of the XXXX. After people working at the XXXX XXXX XXXX New York stops responding to me via email and buy phone I decided to make a chargeback claim with Wells Fargo. I spent over a month sending in information to Wells Fargo about this claim and clearly explained that I had purchased some items that were never received. After denying me on XXXX different occasions after reopening my investigation on XXXX different occasions they finally denied me because they said that I made the purchase. Of course I made the purchase! The whole reason for me doing the chargeback was not because someone fraudulently use my credit card without my permission, it was simply because I never received the items I paid for. However, Wells Fargo and all of the employees from corporate on down say they are at the will of the claims division and every single person I spoke to at the claims division whether it was a supervisor or someone at the floor level said that they completely understood where I was coming from and that I should get my money refunded. This was on recorded lines. However, every time it came time to make a decision on my claim they came back to the same decision that they came to originally which had nothing to do with why I was making the claim in the first place. After spending an entire month, XXXX hours on the phone in XXXX and a half hours sending them information about my case I ended up at the same place I started at. I am beyond upset and stressed out and should have a great case for damages against Wells Fargo and how they have treated me during this investigation. I am extremely upset with Wells Fargo and XXXX XXXX XXXX for robbing me and no one wants to be held accountable. I am simply left standing with a {$310.00} deficit for items I never received. PLEASE HELP!
Product: Student loan

I have a student loan with FedLoan Servicing. I am a part of their PSLF program and their income-based repayment plan. Every year they ask me to submit my income and expenses, so they can re-calculate my monthly payment amount. A few months ago, they informed me that my payment would once again double ( from {$90.00} to {$180.00} a month ). I inquired how this came to be and was told by one of their customer service agents that I should switch my income-based repayment plan. They proceeded to ask me personal financial questions and said my payment would be reduced to $ XXXX {$130.00} per month if I took their advice. I did so and just received an email stating that my new payment would be {$500.00} a month. I am beside myself. I feel misled. I choose to put my loans into forbearance while they calculated this and now I don't know what to do. I don't trust FedLoan not to screw this up even worse. Meanwhile, my interest on the loan keeps accruing which means my balance continues to rise ( which I am confident will raise  my monthly payment ) because of their incompetence/predatory lending practices. After reading some of the XXXX  complaints that sound like my situation, I wouldn't be surprised if this balloons into a class action suit one day.
Product: Credit reporting 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 XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on my mortgage, I demand proof or remove in XXXX  days
Product: Debt collection

I dispute your claim and request validation from you under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Please provide a breakdown of fees including how you calculated what you claim I owe.

Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA Send me proof that you are licensed to collect debt in my state. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I got a Self credit card in XXXX. In the summer of XXXX end of may beginning of XXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

The credit card company is raising the minimum due on my card 's balance. In the past three or four months they have raised the mount twice ... with no notification, on the amount on the statement. They are notorious for not providing quality notification and using cheap tactics. I have two cards with Chase. They closed one card because I wrote to them in disagreement with raising the interest rate. I called on it and they said it is because the Federal Reserve is raising. The Federal Reserve lowered the rates. My initial minimum due was {$10.00} in XXXX. I have never overused or extended my credit. I worked on establishing credit. I paid my card off in XXXX. I have not had a late payment in many many years and only a total of two maybe three late payments. If they have been late it was an error in postage or something similar. There is no explanation. I have had an issue with someone taking my cards and putting them back in my purse or file. I am not certain who was the culprit or why. Someone just needing to control. I am messy but very clean For example, my floor and baseboards are clean, but there is sewing stuff all around or if I get busy, I leave my project there and work on it when I can. The person is real and the person just likes to XXXX with my head and prove I do not have " XXXX '' I am someone's obsession. In fact, I went on vacation for two days in XXXX XXXX at a dirt-cheap price after staying in my room a year. I paid cash except for the two gift cards I put on my credit card for rewards. I paid Chase back for the cards almost immediately. When I arrived at my hotel they required a credit card. I had under a {$100.00} balance because I paid off my card in XXXX right? I get a text and the hotel said the credit card was declined. I am having a really good lunch while waiting for my room. And that's the disruption. I do not have XXXX. I finish go to the hotel and they tell me it was authorized. My bank card did something similar last week at XXXX XXXX. I had to put it on my credit card. They declined my credit card. They know when I am paid. I pay credit card on time!!!! I have never made a late payment. I want the minimum due down there. I wrote to Chase in the Secure message website., a customer service rep, " XXXX '' said Chase won't change the minimum due.