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 have violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.

XXXX XXXX : Account XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things were not accurate and negatively affected my credit report. 

I have never had an account with XXXX XXXX. It is the duty of the furnisher of information to provide accurate information to the credit agency. 
In accordance to 15 USC 1681s-2 they are not to furnish any information relating to a consumer to an consumers reporting agency if the person knows or has reasonable cause to believe that the information ins inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX ACCOUNTS XXXX Account XXXX XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX XXXX {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed XXXX {$0.00} XXXX XXXX XXXX XXXXccount number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$560.00} XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX I Account number XXXX Date opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$3400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$560.00} XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$120.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$12000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX I Account number XXXX Date opened XX/XX/XXXX Balance {$230.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Student loan

Hi, recently I had 6 months left on my student loan payments ending in XX/XX/XXXX. Recently navient put my loans in deferment without my authorization. When I told them I didnt want deferment, they still extended my loan repayment till XX/XX/XXXX with increased interest. They said they were going to correct my loan back to the original payment and loan pay off date but have not done this yet. Ultimately, they are trying to charge me more interest. Thanks
Product: Credit card

Dear CFPB, I am writing to file a complaint regarding the mishandling of a dispute by Apple Card, which has resulted in the misappropriation of funds.

I previously purchased a phone from XXXX. After receiving the product, I found that the price did not match the value of the item, so I requested a return from the seller. However, the seller did not respond to my request. Consequently, I filed a dispute with my bank.

After the bank contacted the seller, the seller provided a return label. I returned the item, and the seller received it. The seller then asked me to cancel the dispute so that they could process the refund. 

Reluctantly, I contacted the bank to cancel the dispute. However, after I canceled the dispute, XXXX did not issue the refund. As a result, I had no choice but to request that Apple Card reopen the dispute. 

The problem arose when, after the dispute was reopened, I did not receive an adjustment to my balance. As a result, I ended up paying the amount in question, but Apple does not acknowledge that they collected the payment, and the merchant has not received the refund either, so they refuse to issue the refund. 

Today, I contacted Apple customer service again, and they still claim that there is no issue. However, I have indeed overpaid this amount. I request that your agency oversee this matter.

Ensure that you provide any supporting documentation or details when submitting your complaint to the CFPB. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX SPOKE WITH A REP FROM BMG MONEY ABOUT MY LATE PAYMENTS FORGIVENESS DUE TO COVID AND THE REP ADVISED ME THAT THESE LATE PAYMENTS WOULD BE DELETED AS OF XX/XX/XXXX THE COMPANY IS NOW SHOWING 5 LATE PAYMENTS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX WHICH IN XXXX THIS PAYMENT WAS NEVER LATE
Product: Credit card or prepaid card

I do all my banking online. When I logged onto to pay my Citicard payment in XX/XX/2018, Citicard said it was converting my Visa to a MasterCard, and in the process, told me no minimum payment was due. I tried to make a payment anyway and the website would not allow me. Additionally, I did not have access to any of my account information and was not able to use the " Help '' function online. 

Yesterday, XX/XX/2018, I received a bill in the mail, and it said my account was 30 days past due and charged me a {$39.00} late fee. I immediately telephoned and made a {$250.00} payment and asked for the {$39.00} fee to be waived. I should note that I was on hold for a long time and the entire call took nearly 30 minutes. I was told I had to call back for the {$39.00} to be waived once the payment had posted. 

I called back today, XX/XX/2018, and 1. a customer service rep said she waived the fee ( which I can not verify because I have not access to my account ), and 2. I spoke with " XXXX '' in the Client Focus Team. I still do not have access to my account online, I still can not see the {$250.00} payment applied to my account, and I am not able to make my XX/XX/2018 payment in any other way except snailmail ( although I don't have any idea how much I owe because I can't access my account online ).
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to follow up on XXXX  previous complaints I have filed against XXXX and TransUnion regarding their failure to provide details of their method of verification of disputed public record items on my existing credit reports. 

Despite my repeated requests, both XXXX and TransUnion have refused to disclose the specific details of their verification process for disputed items on my credit reports. These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to request verification of items on their credit reports and mandates that credit reporting agencies disclose the specific method used to verify disputed items upon request. Both XXXX and Transunion simply respond that they use 3rd parties, refusing to disclose the source which is sharing my personal and private information. 

I have requested XXXX and TransUnion to provide details of their method of verification for these items on XXXX separate occasions, but they have consistently refused to do so. 

This refusal to comply with my lawful requests is a clear violation of the FCRA and denies me my rights as a consumer to ensure the accuracy and completeness of my credit reports. Without knowing the specific details of the verification process, I am unable to effectively dispute any inaccuracies or errors in the information reported by XXXX and TransUnion. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against XXXX and TransUnion for their failure to comply with the FCRA. Additionally, I request that XXXX and TransUnion be required to provide the details of their method of verification for the disputed items on my credit reports, as mandated by law. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights of consumers under the FCRA. 

The previous complaint numbers are as follows : XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 XXXX Filed on XX/XX/24 The CFPB 's primary responsibility is to protect consumers in the financial marketplace by promoting fairness, transparency, and accountability among financial institutions and service providers. Merely allowing a credit reporting agency to give a simple response to complex complaint and closing said complaint is not doing that. I ask that the CFPB enforce 15 U.S.C. 1601 in full.
Product: Credit reporting or other personal consumer reports

15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. EXPERIAN, XXXX AND XXXX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXXT @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.
Product: Vehicle loan or lease

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX 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

I reviewed my consumer report and previously informed your agency on XXXX XXXX XXXX about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to a recently closed case # XXXX that XXXX XXXX responded to. They denied any wrongdoing in violating the provisions of FCRA and once again I ask that CFPB comply with 15 USC 1681 ( n ) and any other Liability for damages of which I am owed due to their willful manipulation of the balance owed in order to re-age and negatively affect my credit worthiness. Not only that but to remove these harmful account from my credit report or any other other accounts reported by XXXX and Experian : XXXX in the amount of {$2600.00} and XXXX in the amount of {$2100.00} or or what was {$2100.00} reporting from XXXX. Also to be removed from Experian but reporting different account numbers XXXX and XXXX. ( 1st proof of manipulating data- the changing of account names ) XXXX XXXX XXXX XXXX or XXXX responded that account # XXXX now on showing as XXXX in XXXX they purchased this account and sent a letter in XXXX. I have never received any letter from XXXX until I started to dispute these accounts which they have used aggressive and illegal practices. I have attached letters and my copies of my credit reports showing deliberate re-aging since XXXX Letters range from XXXX XXXX XX/XX/XXXX where they reported changes and one clear change is the amount. Letters stated debt was purchased for {$2600.00} but on my credit report its {$2600.00}. Each time I dispute, they're-age the account and it drops my score drastically. They deny any claims of wrongdoing but how can you report a change in the balance without real payment? How does XXXX and Experian notify me of a changes on the account only to re age the collection account by reporting that a change was made to the account. I noticed this was usually when I disputed the account, shortly after the open date changes and the last reported date changes but there was no actual change to the account. 

XXXX is currently under investigation for these practices and are illegally manipulating my accounts and the balance reported among other things. You will see how they are violating FCRA and causing me financial damages. which XXXX have been reported of doing. These unethical and illegal practices are in direct violation of several provisions of FCRA, including but not limited ton 15 USC 1692e - False or Misleading Representations XXXX  responded in the last complaint that they can not control the way in which consumer reporting reports the information furnished yet willingly furnished that information. 

I'm asking that XXXX and Experian stop validating this debt based off of an itemized bill that the account was opened in my name and my social. I have even gotten a police report on XX/XX/XXXX XXXX # XXXX but even prior to this I provided ample and strong evidence supporting my rights are being violated through illegal data manipulation. I have provided letters and copies of how my disputes are ignored and reports are reporting changes in a different amount and account numbers. 
XXXX and Experian mark my account as to be ignored and this is costing me financially and health wise and I want compensation for these violations.
Product: Debt collection

Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Product: Mortgage

XX/XX/2023 I decided to do a refinance with my current mortgage holder ( Freedom Mortgage ) cash out equity to consolidate debts. XXXX XXXX {$320000.00} after 1 year of payments turned into {$320000.00}. XXXX was {$2300.00} interest rate 5.25 % changed to {$3100.00} interest rate 6.25 % both fixed. Always thought with VA use of the lower interest rate was appropriate. Home appraised for {$450000.00} XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX XXXX  ) less than 1 year prior. Home appraised for less for the refinance. ( {$450000.00}. using their picked appraiser ) Started in XX/XX/2023 closing happened in XX/XX/2023 which I thought was way too long for a refinance. ( Kept saying I had a judgement in my county... and I did not ) Too many out of pocket expenses and hidden fees made this whole process really confusing and costly. If I knew it would cost me {$32000.00} of my equity I would never had done it with having a much higher payment on top of that. Also, I did not get enough to consolidate all the debts that I wanted to. I really feel like I have been taken advantage of in more ways than one.