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

According to the Fair Credit reporting ACT 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial system has an affirmative and continuing obligation to protect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agency is a financial institution by definition under title 15 USC 1681 section 604 section 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructionsof the consumer to whom it relates. '' Furnisher of information to credit agency the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information or my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agency whether it be verbal, nonverbal, written, implied, or revoked is USC 6802 ( b ) ( c ) states that " a financial institution may not disclose non-public personal information to a non affiliated third party unless -- the consumer is given of explanation of how the consumer that nondisclosure option. Furnisher of information to credit agency never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( d ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 168s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Product: Student loan

After XXXX confirmed that Loans 1 and 2 were in repayment under the PAYE plan when I called them on XX/XX//2019 ( which was additionally confirmed when I heard back via CFPB complaint XXXX ), XXXX attempted to retroactively place my loans in repayment in forbearance, even while they were in repayment with XXXX and despite the fact XXXX assessed a payment on XX/XX/2019. I never requested forbearance on these loans while payment was being assessed.
Product: Debt collection

I had two separate XXXX XXXX XXXX account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st  payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Blance is {$3500.00} and I was offering $ 1800- {$2200.00} to pay off and the refuse my offer.
Product: Credit reporting or other personal consumer reports

To whom this letter reaches, it has come to my attention after looking over my Experian and XXXX XXXX reports. Experian report # XXXX and XXXX report # XXXX that the following accounts are not mine and incorrect and according to the FCRA XXXX to be removed from my credit file within 15 days of receiving this notification. 

These creditors listed below do not belong to me nor do they belong on my credit file. In accordance with the Fair Credit Reporting Act, Account Names and # XXXX : XXXX. ) XXXX XXXX # XXXX ( Account does not belong to me, and I've never done business with XXXX XXXX nor signed any contracts with this company ) XXXX. ) XXXX 's # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). 
XXXX. ) XXXX # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). These listed creditors have blatantly lied and violated my rights. 

Under the FCRA, Credit Bureaus such as yours and Lenders by LAW must ensure that the information they report is 100 % accurate and truthful. Also, the following laws state 15 U.S.C. 1681 section 602a States that I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 623 : A furnisher must NOT furnish inaccurate consumer information to CRA 15 U.S.C. 609a : Requires consumer reporting agencies to upon request disclose ALL information in consumers file at time of request and the Sources of information ( Which I have requested from all listed and NEVER Received ). 

Please update my Experian XXXX XXXX and XXXX XXXX XXXX with a DELETION of all listed items within 15 days of this letter due to the files being incorrect, untruthful and ownerless. They are NOT my debts ; they dont belong to me and are not my doing. Please understand that I am suffering great damage to my credit because of these bureaus neglect. I will be escalating this matter with the attorney general if not handled correctly under FCRA law. 

I appreciate your prompt attention to this matter and look forward to having this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX : XX/XX/2025 To : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a closed and delinquent account under XXXX separate names for the same company, indicating late payments on an account that is currently in litigation. This marks the third occasion on which I have brought this issue to the attention of the Consumer Financial Protection Bureau ( CFPB ). I have formally notified them of these discrepancies, which perpetuate systemic errors. It is imperative that these mistakes are rectified promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I requested a credit line increase. I have had my account for over 3 years. All payments have been on time. My credit utilization is 2 %, my credit score is XXXX. I was denied an increase because the recent usage of this account 's existing credit line is too low. I received notification via correspondence explaining the denial reason. It is not a reason given in their form letter. i am disputing this rejection, I believe it is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX # 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 account without my written instruction.
Product: Mortgage

I reached out to  XXXX . They helped me in reaching out and negotiating with Bank. The Bank then started working with me. They then subsequently rejected the my modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint through the CFPB to inform the Credit Bureaus that they have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the fraudulent information on my Credit Report. I have been sending dispute letters to the Credit Bureaus from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my Personal Information. The items I am deputing resulted from the theft of my Identity and neither did I received anything in exchange nor benefits as the result of the Identity Theft. The Credit Bureaus are required to remove the items I am Disputing under the Fair Credit reporting Act section 605b, however, the Credit Bureaus have failed to do so. I am once again, requesting that the Credit Bureaus to immediately delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.
Product: Debt collection

when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. 
my ex will file a separate complaint as he says Discover never notified him of any of this.
Product: Credit card

I had a credit card with Bank of The West which offered rewards in cash payments. I had a balance in that rewards program of {$50.00} but when Bank of the West sold out to BMO Banhk N A my credit was erased. I then received emails from BMO Bank that I had requested that my account be changed to no paper billing, which I did not do, this email as an outright lie. I am an XXXX XXXX XXXX senior and these actions by BMO Bank N A are discriminatory due to my age. They are attempted to scam seniors with these actions
Product: Debt collection

They are a Florida company using a XXXX PA area code with a changed last for digits to get past my call blocker. I know this because I called back to get there automated message and did research on there company, Diversified Consultants. They have been doing this over the last mouth, starting on XXXX/XXXX/2016, the most recent call, using the number listed, being today, on XX/XX/2016. I did my research and I am SURE I owe nothing as far as debt is concerned. They have no reason to be calling me.
Product: Debt collection

I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


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: Mortgage

My name is XXXX XXXX. I was tricked into signing an ARM/ Adjustable rate mortgage by : XXXX XXXX LOAN OFFICER Phone : XXXX Email : XXXX XXXX : XXXX LOAN ORIGINATOR COMPANY IDENTIFIER : XXXX State Licenses : MI LENDER CASE NUMBER : XXXX We had discussed that my " 80/20 '' mortgage was in fact, 100 % fixed rate and that unfortunately was not the case. My payment has we About an hour before the closing time she called and said that she can not make it but the paperwork was there and all correct. This I realize now was all part of her plan. 

My XXXX loan payment has went from the original : {$1000.00} ALL THE WAY UP TO : {$2600.00} When the first monthly bill increased I contacted XXXX about it and she said : " XXXX, that can not be correct, the mortgage company can not just raise your payment... .. '' I emailed copies of the bills to her company email, sent screenshots of them to her cellphone ( as requested ) and to her and cc'ing her boss. 

They never responded ( shocker ) .... I followed up with them several times and as the payment increased to north of {$1800.00} I started calling them frantic again trying to get a resolution for their mistakes/lies/fraud but they never even contacted me back with a resolution .... 

XXXX had assured me that the rate was FIXED at 3.990 %. 


If we can not resolve this situation then we are likely going to loose our home as that is an extreme increase in the monthly budget. 


I am not certain which other details and or documents would be helpful but I would really appreciate a response of some kind regarding this matter so that I know how to proceed. 

Thank you in advance for your time, help and consideration regarding this truly unfortunate situation as I have a XXXXXXXX XXXX XXXX XXXX and a pregnant wife who is extremely stressed ( as am I ) about this situation and we are scared for out wellbeing. 


Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

XXXX representative examined our refrigerator on XX/XX/2017 on a warranty call and were paid a {$100.00} deductible that day. Subsequently, XXXX has sent multiple letters stating we owed the {$100.00} deductible. We called XXXX separate times and the call center would look up the account, look for payment the day we told them the check cleared, agree there was no amount owed, and then say they would take care of it. When I asked the third time if they could not update their system correctly, I was told to there would be no further problem and to ignore any further letters. We ignored further letters as told and now have received a collection letter from The Receivable Manager Services ( RMS ) as well as a phone call from RMS. We are now sending proof of payment to RMS as well.
Product: Credit reporting

I have tried online and in writing.All XXXX agencies have asked Questions about accounts I have or may have had. I have had over XXXX accounts from car loans to mortgages to banks and credit cards which some have changed names over the past 7 years. I have had no credit activity for over 6 years. I am in desperate need for all XXXX credit reports and have run out of options.You can apply for credit with a business with just name and SS # and they can get your report in minutes ( ridicules ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please explain and upload supporting evidence. I have disputed this with the bureaus and XXXX directly and they have not provided proof of debt and I want this removed immediately. account number XXXX
Product: Money transfer, virtual currency, or money service

I cant connect my XXXX account. 

I was saving money very well using it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a hard pulkl when the company said it would be a soft pull
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Product: Checking or savings account

This is now the second complaint I'm filing against Bank of America. There are accounts being opened in my name that I have not opened. This time, there's money actually being sent to someone. I can not get through to the bank now without a phone access code or card number. I did not open these accounts and they should not have approved a second account being opened in my name with a complaint already filed against them. I will be filing a police report and taking any further steps but this needs rectified because this is clearly an issue this bank has had in the past.
Product: Vehicle loan or lease

[ 1 ] XX/XX/XXXX Borrowed $ XXXX 6.56 % to buy used car at XXXX XXXX XXXX thru TRUIST BANK. 
[ 2 ] XX/XX/XXXX I went to pay down loan by {$12000.00} at the TRUIST BANK of XXXX  SC which they refused to accept as the had no offical loan account had been established [ 3 ] XX/XX/XXXX TRUIST called to communicate that by or before XX/XX/XXXX loan documents would be processed and an account would be established to accept payments/prepayments officially [ 4 ] XX/XX/XXXX {$12000.00} partial payment made [ {$12000.00} + {$100.00} adtional ] Submitted written request to review payoff amount reflect XX/XX/XXXX event & {$12000.00} partial payoff onXXXX [ 5 ] XX/XX/XXXX I called TRUIST loan department to request review of correcting retroactively reducing loan balance by {$12000.00} and the related per diems, as well as the addtional {$100.00} payment of {$100.00} and again the per diems. TRUIST refused to adjust the per diems [ 6 ] XX/XX/XXXX I have a loan commitment for $ XXXX 3.39 % and can not close without resolving the PROPER/ACCURATE/PRECISE determination of the payoff
Product: Debt collection

This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me.
Product: Debt collection

I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

I was working on getting a consolidation loan through Navient for my federal loans. I had XXXX loans that they told me were ineligible because they were in bankruptcy status, even though my bankruptcy ended in XXXX of 2016. Also, there were accepting interest payments on them, even though they were in bankruptcy status. I contacted them 2 weeks ago and they told me that the loans were no longer in bankruptcy status and to re-submit the papers to add then to my consolidation loan. Then, 2 days ago, I got a letter saying they could not be added again due to them being in bankruptcy status.