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

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as TransUnion, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. My question to is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to the FCRA U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you are reporting information that by law should NOT be included on my credit report? I have also brought this information to the XXXX XXXX XXXX attention as well as my attorney general. Reverse all late payments that are reporting on the account ending in 1053 to paid on time.
Product: Credit card or prepaid card

I have had the total visa credit card for over 2 years and the XXXXXXXX XXXX credit card for around a year. I pay both parents on time every month and I pay over the minimum payment. 
The last payment I maid was XX/XX/2023 in the amount of {$140.00} on total card and {$140.00} on XXXX XXXX card. After my payments went through I went to check and make sure the payment went through and what my balances were and the available credit. My balance on bothe was {$150.00} lower than my limit but it no available credit? I was confused so I called total and XXXX both and there customer support agents couldn't give me any reasons why it wasn't available except that both had closed my account and was turning into collections. I said " how is that possible I haven't missed a payment for as long as I've had the cards! '' The agent say '' Im not sure sir, I see you've maid all payments on time and some early. '' I said I know so what gives them the right to close my account and turn it over to collections if I have defaulted on any payments and I havent. I think these companies are a joke. And honestly I'm going to be speaking with a finance lawyer on all this because my account can't be closed and turned to collections for no reason. I was never notified of anyrhing like this especially the canceling of my card.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Student loan

These school loans were taken out in XXXX to XXXX. They have been reported on my credit EVER SINCE. Navient has been garnishing my wages and taking my tax returns for over 10 years. I never got a breakdown or receipt of where the money they took was going. Everytime I would call to beg for a reasonable payment plan, they would defer them because I 'm dirt poor, with no degree. If I worked full time, I did badly in school. The college told me to take out loans, so I did. I finally consolidated them ... which did n't help anything. Now on my credit report they all show twice, making it look like I owe double what I actually owe. Again, I called, no more options they told me. Pay {$1200.00} a month or nothing. I cried, I begged. They said I could pay $ XXXX. I 'M POOR. These loans are ruining my life. I ca n't get credit. I ca n't rent a car. I ca n't get a good price on auto insurance and I do n't even have a degree to show for it. Everytime I go to try to do something about it, they tell me what I need to pay, or they tell me I will continue to have bad credit, ect. I get discouraged and depressed and give up. I get letters from 7 different companies. For different amounts. With different account numbers. I do n't know which way is up. They 've taken thousands when I had kids in my custody and I still have no proof of what has been paid. Finally someone told me to contact the credit bureau to validate the debt. That way I would be able to see what was paid, how much they 've taken, what the debt is, to who, ect. Instead Navient sent me a letter saying the debt was verified and they re-aged all the loans, with no other paperwork. I 'm at my wits end. I want to make them right, but I just do n't know how.
Product: Debt collection

I did not live at the property nor was I on the property at all during the time the lease was signed. The leasing agent clicked through the lease and attached my electronic signature to the lease. My father is the only one that was in the office when she did this as he was there to resign the lease with just his name since I had moved out.
Product: Mortgage

Supplemental complaint, re # XXXX. 
XXXX County Recorder 's website shows NO recording of Trustee 's Deed for my property located at XXXX XXXX XXXX, XXXX CA XXXX. The Property is still in my name. 
As told before to CFPB, in my complaint XXXX - the buyer / investor who purchased the property at auction through XXXX on XX/XX/XXXX did not post the Notice of Sale giving me 72 houses to remove my belongings. My belongings were removed by a crew on XX/XX/XXXX using a dump truck. I saw the crew on the property. 

My previous complaint to CFPB demanded XXXX dollars for the illegal seizure of my belongings, failure to post the Notice of Sale giving me 72 hours, and failure to provide me with a list of my belongings that were taken. 

Since the County Recorder website does not show a Trustee 's Deed, BUT only a Notice of Trustee 's Sale - Document Number : XXXX Number of Pages : XXXX Recording Date : XX/XX/2016 Cost to Buy : {$7.00} Add {$1.00} for certified copy : Buy Now Document Type : NOTICE TRUSTEES SALE ALTER CHARITO XXXX XXXX The utter and continuing failure by Wells Fargo to complete the paperwork, means that I am considered by the County to still be the owner of the property. If so, I have grounds to claim that Wells Fargo or its cohorts are responsible for trespassing and illegally removing my personal belongings.
Product: Debt collection

Greetings! 

I am writing to inform you about a probable scam or phishing attempt. Even though I do not own any debt, I get collector calls from Portfolio Recovery. These calls may be fake collector calls. I have not received any information from this company. They did not mail me a written notice, which is required for collectors according to the Fair Debt Collection Practices Act and the Consumer Financial Protection Bureaus Debt Collection Rule of 2021 ( CFPB, 2015 ; CFPB, 2023 ). 


Sources : CFPB ( 2023 ). CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/
Product: Credit card

I have a credit card with Venmo, I made a payment to the balance on my card on XX/XX/ for the amount of {$510.00}. To no fault of my own, I was double-charged on this payment and the money was taken out of my account causing me to go negative in my bank account. I had called them to ask them to cancel the payment, the first time I called I spoke to an individual named XXXX with Venmo and he hung up with me, the second call I was told there was nothing they could do, and the third and last time I called the individual told me they will send me a check once the payment clears. I can not wait that long for them to pay me back. This was their mistake and they need to take responsibility for their actions, it is not right that I am negative in my bank account and will be charged an overdraft fee. They need to set up their system to better accommodate their customers in situations like this.
Product: Credit reporting or other personal consumer reports

Upon checking my credit profile, I noticed several fraudulent accounts and inquiries reporting on my file that I did not open. 

EXPERIAN============ XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXXXXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX SYS Original creditor : XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Account XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$110.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Product: Debt collection

Ive told them to stop calling, its illegal for them to have my underage sons medical information and they wont stop. I do not owe the debt, it shouldve been covered under XXXX. 

They have also tried to text me and get me to confirm my identity in sneaky ways such a saying they were someone trying to get my address and name for a wedding invitation. I believe this company has went too far and should have to remove my debt. That is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached Files... .I have made numerous dispute attempts with Equifax to rectify a public record reporting inaccurately. In previous dispute attempts I provided documented proof of this public record being removed from other credit bureaus. Also, in addition Equifax has claimed to have been provided the public record information from a 3rd party ( which is illegal ) and furnished it on my credit report without my consent. I have attached a copy of my suppression confirmation from XXXX so I question the validity of Equifax 's verification of this public record being reported to my credit report. ( I have provided confirmation of said suppression from XXXX in attached file ) I have made reinvestigation requests to Equifax, which they have not honored, I have requested documentation of proof that this account belongs to me, which they have not provided. This, and many other unlawful practices made by Equifax, is in clear violation of my consumer rights under the FCRA under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b. I ask that this bankruptcy be removed from my consumer report immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have sent a letter to XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from XXXX  a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. XXXX  violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. 
On XX/XX/XXXX XXXX  responded with letter that the information is correct but it is defiantly was not proof required by law.

I have sent them my second letter on XX/XX/XXXX giving them a final opportunity to resolve the matter but they ignored it and on XX/XX/XXXX XXXX  responded that the disputed information is the same as the last one and refused to investigate.
Product: Credit reporting or other personal consumer reports

The following companies show an open balance and fraudulent phone numbers to contact on my reports from XXXX XXXX and equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was before the covid 19 pandemic on my loan. 
JP Morgan Chase gave a forbearance for almost 15 months. 
Now i have the money to pay all the arrears before the start of the pandemic But Chase wants me to pay the 15 months of the forbearance months. 
I can not afford to pay the arrears plus 15 months lumsum right away. 
Chase did not disclose to me that once the forbearance period is over I will have to pay arrears plus 15 months which they voluntary suggested No disclosure was made when they decided to give me a break during the pandemic. 
They did not disclose to me that everything will be due right away. 
I am willing to pay arrears but at this time I can not pay the deferment of 15 months.
Product: Credit reporting or other personal consumer reports

transunion These accounts are totally ILLEGAL and FRAUDULENT on my credit report. My information has been stolen and breached for over the years. I have never opened any of these accounts and they were illegally obtained in my name. Please remove these collections/closed accounts off my report as I had NO KNOWLEDGE. I've had a credit XXXX looking at my report for 2 months now and were not sure if we need to obtain a lawyer but they asked me to file a dispute. If not legal action will be taken. Please remove these illegal collections off my report. 

XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX {$710.00} XXXX, XXXX, XXXX -- -closed -- XXXX bank {$1500.00} XX/XX/XXXX XXXX XXXX bank {$1200.00} XX/XX/XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX Bank {$1000.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2022
Product: Consumer Loan

Wells Fargo is in violation of The Fair Lending practices as per Massachusetts statutes, as well as in violation of unfair, deceptive, and predatory Federal lending practices. My car was repossessed without notification and or any explanation of this repossession. Wells Fargo has not answered any questions as to why this happened and have changed their story numerous times. I have had no help in understanding this process and why it has happened. The only response I receive is that they can not help me, and then they transfer me to someone else resulting in more responses of not being able to help me. I have only been transferred to Wells Fargo branches and even the Office of the President who was unable to help me understand anything. They then continued to tell me it is out of their hands and I need to contact the XXXX XXXX XXXX. I received their number and it turned out to be another Wells Fargo branch who could not help me once again. I was told from the beginning three different stories. The first story was that my account number was wrong, then I was told that my account could not be located. I informed them that I used my debit card to make the payments and then they changed their story and said that there was insufficient funds in my account and that the payment was reversed and sent back to me. I then asked what that meant, and was then told that Wells Fargo sends the request for the payment to my bank and then my bank ( XXXX ) either gives them the money or says I do not have those funds available. I went into XXXX at that time after hearing this from Wells Fargo and asked if they could track if Wells Fargo tried to take the money out. The representative told me that Wells Fargo never targeted the account and no payment was debited or reversed. I reported this information to the Office of the President of Wells Fargo who proceeded to change their story once again and told me that I must have inputted the wrong debit card information. After attempting to resolve this problem for over two weeks, I have nothing but unanswered questions. I have numerous emails to Wells Fargo asking them for assistance dated back to XXXX and I never once received an email back until, coincidentally, after they repossessed my car and I brought it to their attention of all the times I tried to contact Wells Fargo, I received an email XXXX XXXX saying that all my previous emails were received. I also received an email on XXXX XXXX saying they would debit my account from the online payment I made on XXXX XXXX. I asked Wells Fargo why I received that email if my payments never went through, and their response was " Well we just send those out ''. I never received any notification of a payment being reversed. I have not received any straight answers, only multiple different stories and no assistance from anyone. 
Please find the following supporting documents attached : Emails reflecting payments Emails reflecting confirmation of payments made