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

I have complained several times to Experian that there is inaccurate information on my credit report. They have not adequately explained why the information is on the report and their supposed investigation just seems to be to believe the debt collection agency instead of actually investigating the report. They have not shown any evidence that the debt reported is an actual debt that I owe. 

The specific debt on the report which I have attached is from XXXX XXXX XXXX XXXX. The original debtor they list is XXXX XXXX XXXX XXXX. I have never had any direct relationship with XXXX XXXX XXXX XXXX. The company I work for has had a relationship with this company in the past although my employer also doesn't owe them any money. I've spoken to XXXX XXXX XXXX XXXX and told them I don't owe them any money. I've also disputed this with Experian but they did a meaningless investigation and did not share anything they found with me.
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. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXr Account # XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 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: Student loan

payments were made by the bankruptcy courts to Nelnet on behalf of XXXX XXXX XXXX account number XXXX reference number XXXX the payments totals are {$12000.00}. After completing the bankruptcy and being released, the loan was transferred to SLOAN Servicing ( Account number XXXX ), however the payments totaling {$12000.00} do not appear on the Sloan Serving account and the balance on SLOAN Servicing is actually MORE than the scheduled plan for bankruptcy claim. The balance reflected for me to continue to pay after bankruptcy and making paments should have been listed to Sloan servicing as {$26000.00}. The loan amount that Sloan Servicing had listed for me to continue to pay did not equal this amount but is doubled. I was not supposed to be charged with interest, fines or penalties.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

I had issues with Chase Bank closing my account after getting hired in XXXX XXXX XXXX XXXX. 

I noticed an issue on XXXX and XXXX but primarily XXXX with a security hack from an online acquaintance from apparently XXXX who was able to hack or try to send fake payments to several accounts leading to the closure of several accounts subsequent to meeting XXXX XXXX the owner and sole proprietor or XXXX XXXX XXXX 

I ended up contacting the company and had been notified that due to the hack where I was asked to surrender my login to the bank account I ended up having issues with the company. So far it lead to the closure of several banks and may involve the IRS which I hadnt been able to pay because most of my moneys were taken by XXXX XXXX and XXXX  dancing and working in XXXX  after release from Adult supervision and having a case didmusss which isnt sealed or closed on paper yet. 

They told me due to the breach I couldnt open a new account. This continued to happen with several accounts. I had planed on saving XXXX in 2013 and leaving the country and met a XXXX trafficked who placed me in back page and havent been able to get out of debt since, I face constant security hacks data breaches assaults job losses and issues mainly in XXXX and XXXX and a lack of support from XXXX XXXX  departments after marrying by common raw several wife beaters in XXXX XXXX  who didnt release their info until I saw them later in the job. I know XXXX or XXXX was in XXXX XXXX but I believe possibly XXXX were and I face constant issues documenting assaults gaining access to regular gainful employment, recovering monies owed, receiving benefits, issues being stalked by their mistresses on the highways and losing access to accounts as well as abuse by local laws protecting those ppl who didnt want to expose their second life. 

This closure came after 11-12 years in clubs no savings all my money taken from me no home no children no cars recovered and throughout the stay with family regular stalking regular hacks regular data breaches and even so far as assaults knocks at door by undercover and attempts murder in my life and mothers life. I do feel banks do play a role in the matter given their private investigations and they are often involved in Human trafficking as well. Nothing is done in the USA to recover funds for women who are victims of XXXX human XXXX and XXXX trafficking and they see it as money laundering and often kill their family and release data to Feds and do not protect their clients privacy.
Product: Credit card or prepaid card

Did a debt resolution with my credit union. Paid off my capital one credit card. Capital one cashed it in XX/XX/XXXX and said they cant find it we faxed cashed check recipient to them. They still havent put towards my account now charging me late fees and ruining my credit. Called at least 10 times and they say under investigation and wont help me. They cashed it I cant get any help and dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and XXXX  Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. Experian not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; XXXX XXXX by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company XXXX XXXX XXXX State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor XXXX XXXX XXXX XXXX XXXX As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named XXXX XXXXXXXX Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by XXXX XXXX XXXX XXXX whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against PORTFOLIO RC for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against PORTFOLIO RC for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/2024, PORTFOLIO RC has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, PORTFOLIO RC has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : PORTFOLIO RC has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. PORTFOLIO RC has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes. 


Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from PORTFOLIO RC I am Requesting Purchase Agreement between PORTFOLIO RC and the original creditor I am Requesting that PORTFOLIO RC furnish proof that they are Licensed and Bonded Investigate the practices of PORTFOLIO RC and enforce appropriate penalties for any violations of federal laws. 
Require PORTFOLIO RC to cease all collection activities on the disputed debt until they provide proper validation as required by law. 
Ensure that PORTFOLIO RC removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided. 
Prevent PORTFOLIO RC from engaging in further communication with me through email/text/call. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Product: Mortgage

I received my escrow analysis with my XX/XX/XXXX statement. Upon review of the escrow analysis I noticed a couple of errors. At the end of XXXX there was ample money to pay the property taxes and insurance. I should have been getting a refund for the overage. Instead, the company assessed a charge for taxes that is not mine and have increased my loan payment by over XXXX  per month to cover the alleged shortage. I have contacted the company in excess of XXXX XXXX XXXX XXXX  times since XX/XX/XXXX only to be bounced around from voice mail to voicemail. Allegedly, return calls are made between XXXX hours. The last call I made was on XX/XX/XXXX. As of XX/XX/XXXX, I have not received a call back from someone to assist me with my inquiry. 

I have, however, received XXXX ( XXXX ) emails with surveys on the service I have received. In BOTH surveys I gave the company a less than stellar review and restated everything that is contained here.
Product: Checking or savings account

I'm currently banking with Chime. I had some payments to take care of and transfer funds from one account to another. One of the transfer did not showed. I contacted a phone number that allegedly was chime 's customer services. I was a fraudulent/scam number. They took all of my funds and personal information. I shortly contacted the bank. They told me they had to open two disputes and that it would take XXXX business ' days and they have up to XXXX  days to investigate. One of my disputes was close the following day which they did not respect the time frame to investigate. I have resubmitted the dispute and made the appropriate changes. It is very frustrating and the first two agents that assist me were not very helpful. Please advised.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Hope all is well. Just wanted to relay a message. I received a message that I am past due. Due to my XXXX XXXX I have not been accomodated properly by Universal payment Corp. 

I am an XXXX  XXXX military veteran that served my country. I have all the proof that i've made payment consecutively. I am asking that you cease with these false allegations under the Fair Reporting Credit Act.

I haven't been late for 30 consecutive days.Universal Payment Corp hasn't sent me any correspondence saying i'm 30 days past due or anything saying Im past due or late. 
Ive been homeless, experiencing financial hardship and the death of a spouse. 

As a a XXXX  service member I am asking that you respectfully cease with these false reports this is unethical and unconstitutional as a XXXX military veteran and citizen of the United States of American. 



XXXX XXXX XXXX XXXX Military Veteran XXXX
Product: Debt collection

I received a court action advising me that I was being sued. After having paid the bill with them, they are continuing to harass me. And now saying that the resolution is through the court, and that I should file a motion to respond to these documents. 
As an aside the group has been calling me and of course only saying they are attempting to collect a debt. I call back and leave messages and not one time did they respond back during a time I was available. Anytime I called I immediately had to leave a message. Ridiculous. I work. And am a XXXX I dont have time to answer calls from people who dont respect my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. I provided my identification documents when I sent the complaint through the CFPB. By law, a police report isn't required for identity theft. You have a duty to do what is fair and equitable to me as a consumer by deleting the items identified as Identity theft from my consumer report. Please place the block on my file and delete the items identified as identity theft. You have 4 days per 15 USC 1681c-2.
Product: Debt collection

Navy Federal Credit Union offset over {$10000.00} in protected ( exempt from secure loan disclosure and special interests disclosures ) funds over the last year of my life. I spent over XXXX hours in the XXXXXXXX XXXX  branch working with XXXX. XXXX XXXX from NFCU has informed me they will not be refunding me any money, both credit lines are still active, and they will NOT offset from the protected/exempt funds moving forward. 

Questions : 1. Why is NFCU so confident in keeping protected funds? 
2. Why was NFCU allowed to falsely indicate my auto loan ending in XXXX was XXXX and XXXX  days late triggering the illegal offsets, " The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show our member established his used vehicle loan ending in XXXX on XXXX XX/XX/XXXX and as of XXXX XX/XX/XXXX, the account has a balance of {$8000.00}. XXXX XXXX loan payment is due on the XXXX of each month. On XXXX XX/XX/XXXX, our members vehicle loan went past due for XXXX payments, totaling {$1400.00}. {$1400.00} was properly transferred from our members checking account ending in XXXX in accordance with the promissory note, in which XXXX XXXX pledged security interest in any share or joint accounts should the loan become past due. 

Please see attached credit report dated XX/XX/XXXX dating back XXXX  years, loan ending in XXXX has never been recorded more than XXXX  days late ; XXXX and XXXX of XXXX. 

4. Has XXXX XXXXXXXX XXXX XXXX been violated? 

5. NFCU has admitted to offsetting protected funds, and yet with no remorse or refund ; what or who are the funds protected from if not NFCU? 

6. Why does NFCU have their own representative at the XXXX 

7. How powerful is NFCU after the XXXX CFBP order release, why no change as I highlighted repeated offenses?
Product: Mortgage

Wells Fargo Home Mortgage escrow did not pay our XXXX XXXX property Tax payment on time. The property taxes were do in XX/XX/XXXX and they did not make payment until they were delinquent in XX/XX/XXXX. This resulted in a loss of income tax savings that we would have benefitted from if had they paid our escrow payment on time. We have contacted XXXX repeatedly over this and have refused to acknowledge their delinquency even though we have evidence of the late payment and a record of penalties they paid to the county for being delinquent.
Product: Debt collection

Upon checking my credit report i noticed a collection agency trying numerous times to collect a debt that i have no knowledge of i have not signed any agreement with this company nor have i entered into any contract with them
Product: Checking or savings account

Theft and denial of access to account and misrepresentation and felony gaslighting
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against TransUnion for failing to remove inaccurate and outdated information from my credit report, despite my multiple disputes and the ongoing issues I have faced with other credit bureaus. These failures are causing significant harm to my credit profile and preventing me from achieving fair credit reporting. 

Complaint Details : Inaccurate Reporting : My TransUnion credit report contains accounts that have been marked as closed and charged off as bad debt, including accounts with XXXX XXXX and XXXX XXXX, which were charged off in XX/XX/year>. Despite being listed as charged-off, these accounts are still being inaccurately reported, even though I have already disputed these items. Furthermore, certain entries are not consistently appearing across all three credit bureaus, which further suggests incomplete or inaccurate reporting practices. 
Failure to Investigate and Correct : I have submitted multiple disputes to TransUnion regarding these inaccurate entries, yet they have failed to correct the errors or provide sufficient proof that the debt is valid. As per the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a reasonable investigation into any disputed items and ensure that all information reported is accurate. TransUnions failure to remove the disputed items and properly investigate these inaccuracies is in violation of my rights under the FCRA.

Failure to Provide Verification : In some instances, I have not received the necessary validation and verification for the debts reported. The absence of proper documentation leaves me uncertain of the legitimacy of the reported debts, and without that verification, the entries should not remain on my credit report. The FCRA mandates that only accurate and verified information should be reported, and in my case, these debts remain unverifiable.
Product: Student loan

I requested a {$3500.00} refund from EdFinancial back in XX/XX/XXXX. My loan was fully paid prior to my request ( closed ) and paid after XX/XX/XXXX. EdFinancial stated that there is a 150 day minimum processing time followed by a 10 day wait for a physical check ( even though I paid online ). This could land the refund after the possible forgiveness timeline. Also, I do not receive any confirmations, so I have to call to check up on it. I called today and they stated that it hasnt even been processed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several auto loan inquiries and credit XXXX credit report that were not done by me. And have significantly drop my credit score and have been reason for me being denied credit because of to many inquiries. Please help me remove these from my report. 
I have tried reaching out to the companies with no resolve. They told me to dispute it. XXXX XXXX Location XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/, XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/ Phone ( XXXX ) XXXX Thank you