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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Equifax is refusing to comply. Equifax claims they can not find my credit report. Equifax claims that I never sent them ID documents. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Student loan

On XX/XX/2022, I requested some documents via the aidvantage portal, to furnish to my mortgage lender for my pre approval process. On XX/XX/2022, I received the documentation that indicated my total loan amount and that my monthly payment was XXXX. However, the lender needed to see what my monthly amount would be once my loan is out of deferment. Which is indicated on my credit report, but my loans are in forbearance due to my attendance at a higher educational institution. Instead of communicating via internet, I decided to call on XX/XX/2022 and the representative was able to furnish a letter stating my estimated monthly amount, the loan amount listed on the document was in only {$60.00}, when I currently owe over {$150000.00} in student loans. Of course the mortgage lender refused to accept that documentation because it now shows conflicting information. I called repeatedly called XX/XX/XXXX and XXXX for someone to furnish the same letter, but with accurate figures, but every representative ( approximately 6 ) I spoke with, either I got disconnected or they said I have to wait 15 business days for my NEW application for and IDR plan to be processed. Im frustrated and confused how one was able to produce a letter but the others were not. I was even told they would have their supervisor write the letter and I got disconnected. AND NO ONE called me back after be disconnected. In addition, the representatives try to talk over you, or seem inept or just not trained properly. One had the audacity to tell me I filled out an application wrong, which I did not fill out one with then, it was produced based on the information they collected from me. This servicer is a hot mess and I hate to see how it will be after the XXXX pause is lifted.
Product: Mortgage

Roundpoint Mortgage purchased my loan while it was in a delinquent status. I was unable to make payments while the transfer process proceeded, resulting in me falling further behind in my mortgage. I finally contacted them and began a loan modification process. I made my payments as requested throughout the trial period and after while I was waiting for my modification papers to arrive. 

My modification papers arrived, requiring I have them notarized. Since I work XXXX  during business hours, I was having trouble getting them notarized. I contacted Roundpoint and made a payment that was to be debited XX/XX/2023 from my account. At the time, I did mention that I was working on getting the papers notarized. 

On XX/XX/2023 I called Roundpoint to make another payment, and was told they were not able to take the payment because my loan modification was rejected because it was not received in a timely manner. They were only able to accept all of the amounts in arrears. 

I received a Notice of Default and Intent to Accelerate dated XX/XX/2023. 

Throughout this process, I have been frustrated by the lack of information and inability of Roundpoint Mortgage to give me exact amounts owed. The website shows I owe roughly $ XXXX, but they cite $ XXXX in the mortgage modification. They have credited payments in excess of payments I actually made, and the last time I checked my account online, they have reversed those payments without crediting accurate payments. 

Today, XX/XX/2023, I received a completed loan modification packet. According to the loan modification dated XX/XX/2023, I should be considered current, but there is no mention of the payment they refused to take on the XX/XX/XXXX. 

My online account still reflects that my loan is in default, and states that my loan balance is approximately $ XXXX. 

By refusing to take my payment on XX/XX/XXXX, I was not allowed to continue making payments. I understood at that time I was no longer in compliance with the loan modification agreement, and I was not surprised when I received the letter stating their intent to foreclose. Now that they have sent the papers back executing the loan modification, I am more confused than ever. 

I have decided the only way to protect my home is to declare XXXX  XXXX bankruptcy because I don't trust Roundpoint at all. It should not be this difficult to understand my account. I should be able to see an accurate accounting of the amounts owed, the payments made, as well as understanding whether I am current or in default. I do not want to lose my home, and it feels as if Roundpoint is being purposefully confusing and vague. 

I would like this lender to be examined, and if they are placing obstacles in the way of customers paying their debts and keeping their homes, please require them to act fairly and responsibly.
Product: Debt collection

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. 

XXXX XXXX, has violated my rights. 

XXXX5 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.

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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

The truck loan is paid off with credit acceptance and its still on my credit
Product: Mortgage

We have our personal home and attached building that we use for business. 
They only paid the insurance on the personal home part of the home and not the business part. They paid it last year with no problem, but this year they are refusing to pay it and they have been taking out the insurance money monthly we we make our monthly mortgage payment.
Product: Vehicle loan or lease

they blacklisted me but they deny me for another reason but they told the credit manager at the dealer im blacklisted and ill never be able to get a loan from chase
Product: Credit reporting, credit repair services, 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 ( Original Creditor : XXXX XXXX  ) Account number:XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : 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 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 reporting, credit repair services, or other personal consumer reports

This is  the 2nd co mplaint I have filed  on Lexis Nexus in a yea r. They are reporting a tax lien of {$5300.00} that was filed on  XXXX / XXXX / 16 . This is showing up on   XXXX   and I disputed it twice and they sent a letter saying the information was gathered fr om Lexis Nexus. Fi rst of all the address was  XXXX   XXXX   XXXX  which I have not lived at in over 2 years. Second of all, it belongs to another family member not me! I locked my file last year wi th Lexus Nexus but obviously that is not true either. I am sick of this company reporting wrong info. It has never reported on  XXXX  or  XXXX . I am trying to refinance a loan and can not because of this wrong info they are reporting. I also have a letter from the court house that shows there is no lien with my social security number reported by them  at the courthouse.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ... ... I have two XXXX credit accounts. One of them previously had a credit limit of {$900.00}. The other I'm not having a problem with.

Last XX/XX/2017, I received a letter from XXXX ( XXXX XXXX  ) that my account credit limit had been lowered to {$100.00}. I was surprised because I had totally forgotten that I had the second XXXX account. I was puzzled as to why the credit limit was lowered so much. I always pay my XXXX balance off. I called the company and it was disclosed that there was a very low balance of {$30.00} ( approximately ) that was past due. I had signed up for online statements and had not received a bill for the {$30.00} ( approximate amount ) balance. Once I found out about the balance I immediately paid it off.

I asked if the account credit limit could be re-instated. I was told that yes, within a couple of weeks it would be. A couple of weeks later I looked to see if XXXX had followed through and they hadn't. I called again and spoke to a supervisor. I was told that I had been given inaccurate information and that XXXX would not be reinstating the {$900.00} credit limit. I was quite upset. It seemed that there wasn't much I could do, so I moved on. Now I see that XXXX has reported that account to the credit bureau and it's a negative mark on my credit report. I have no idea why XXXX is doing this. I've decided to ask again and believe I deserve to have the {$900.00} credit limit reinstated. I didn't do anything wrong!! XXXX messed up by not sending me my bill ; they then lowered my credit limit from {$900.00} to {$100.00} without any warning that there was a small past due balance which was paid off immediately once I found out about it. Now it's a black mark on my credit report? I want this problem corrected by reinstatement of the {$900.00} credit limit.

Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding LLC keeps reporting derogatory and negative remarks about my ability to pay my bills by stating that I owe them money. I disputed the claims of money owed through the credit bureaus and they still said it was valid and it is indeed not valid. I have never contracted any services nor contracted to do business with Midland Funding LLC. This has been constant harassment by their company in my pursuit to rid my credit report of companies which claim money is owed which have no validity. Furthermore, I have reached out to any creditors that I may have had or been in default with and remedied the problem. This company I have never conducted business with!
Product: Credit reporting

I have contacted expertise several times for over XXXX hard inquires in which only XXXX is mine with a credit card and XXXX with XXXX car loan. all the other inquiries not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But XXXX, Experian, and XXXX refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Product: Bank account or service

I wrote a check for {$4200.00}. The date I wrote on the check was XXXX XXXX, 2015. At this date I would have had sufficient funds in my account. Wells Fargo allowed this check to be cashed on XXXX XXXX. This caused my account to be over withdrawn by {$800.00}. Had the check been cashed XXXX XXXX, my account would NOT be over-withdrawn. I made XXXX purchases the same day the check was cashed and these were subjected to {$35.00} overdraft fees. None of these purchases were more than {$20.00}. Wells Fargo reimbursed me in full for XXXX {$35.00} charge but will only reimburse me {$17.00} for each of the other XXXX {$35.00} fees. Wells Fargo should have bounced the check and not allowed my account to have been over withdrawn by {$800.00}. I should only be paying for XXXX returned item fee, which according to my research is {$35.00}. I spoke to a teller on the phone. She stated that when a customer has insufficient funds, sometimes this check is allowed to be cashed and sometimes it bounces. According to this teller, this decision is not made manually, but by a computer. Wells Fargo is not transparent about this particular algorithm, and they need to be. This is an issue of fair banking. If I were someone at WF and had to design an algorithm that decided whether the check should be cashed and the customer subjected to multiple over draft fees versus a check should bounce, it is obvious that the former would be preferable in my case. In the case of the former, Wells Fargo has opportunities to subject small purchases ( such as my XXXX purchases ALL under {$20.00} ) to multiple {$35.00} over draft fees before the customer realizes his/her account is over withdrawn. Of course Wells Fargo has an incentive NOT to bounce my check! This is what they should have done. Looking at my bank account, it is obvious I am not a wealthy customer and it is obvious I make many small transactions throughout the day. As far as I see, I am an ideal customer for charging multiple {$35.00} overdraft fees, as opposed to a single returned item fee. I do n't know if the WF algorithm that chooses " cash '' or " bounce '' factored these variables into their decision, but I and all Wells Fargo customers deserve to know so we can make informed decisions about our spending and informed decisions about who we chose as our bank. 

I would also like to mention that Wells Fargo did not send me notification of insufficient funds until XXXX XXXX at XXXX. According to a teller I spoke with on the phone, if I had noticed my account was over withdrawn immediately and made a deposit into my account of {$800.00} by XXXX XXXX at XXXX, I would not been subject to the {$35.00} fees. That I would receive an email from Wells Fargo nearly XXXX hours after this time further highlights their strategy to prevent customers from salvaging their financial errors. A screen shot of this email as well as a screenshot of my check are attachments on this complaint. 

Wells Fargo needs to pay me {$17.00} X XXXX for the remaining fees.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX XXXX, Ca XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed XXXX {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that are reporting negatively on my report that's causing severe harm and and credit denials during a severe time of need I am currently XXXX  so I need my credit to obtain housing. FCRA 605B states with a police report and FTC report the information should be deleted and suppressed that is fraudulent or a result of the identity theft that I am currently experiencing my information including my social has been leaked onto the dark web and I am constantly being harassed by creditors such as XXXX who leaves 5-6 messages daily requesting and harassing for payment and other debt collectors that XXXX XXXX and Equifax are neglecting to accurately investigate and report. XXXX has a through understanding of my Identity theft as they are constantly giving updates as well as I have a claim and specialist that I am working with to recover my identity to the best extent but at this point the only solution is a reissuance social security number due to the severity of the breach. I request that all three bureaus remove immediate the fraudulent information outlined in the attached police reports and also the results from the Identity theft so that I can go back to having the accurate score and reporting that I acquired short of 6 months ago which was a XXXX score.