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

On XXXX XXXX XXXX, there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XXXX XXXX XXXX  they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XXXX  ), as well as the date that there were reinserted without any written notice ( XXXX  ). 
They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. 2025-CFPB-0002 for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to apply for student loan refinancing because my XXXX student loan was given to me at a predatory variable rate of 10 % and 9 % when I was just XXXX years old. As a XXXX year old woman, with a well paying job, I have been making over {$1600.00} payments on-time every month, but the principal in each payment is less than {$500.00}. My student loans have been in repayment for over 2.5 years. I applied to refinance with Earnest by applying for loan refinancing on XX/XX/2019. Although I am able to get approvals at other institutions with my good credit and low risk factors, Earnest denied my application because I didn't have a college degree. I believe this to be discriminatory to people who are unable to finish school, have to take extended breaks in enrollment, or have extenuating life circumstances. I pay my student loans on-time each month and maintain high credit and low risk factors as a borrower, only to be discriminated against when trying to lower my interest rates. When I spoke with Earnest on XX/XX/2019, they stated it is one of their requirements in their lending license. 

Having, obtaining, or not holding a college degree is not a risk factor in determining credit worthiness and should not be held against people trying to refinance their student loan debt burden. This type of discrimination is completely unnecessarily prejudiced towards borrowers with a very common academic path and does not determine one 's credit worthiness. I believe Earnest to be discriminating towards people from unprivileged backgrounds who do not/did not have the ability to have a linear college experience and are endowing extra pressures to maintain predatory student loan interest rates.
Product: Credit reporting or other personal consumer reports

Louisiana child support enforcement was contacted to prove obligations owed to them. They have been reporting to my credit for 2 years now unlawfully. Furthermore I have used Lexington law and XXXX XXXX to assist with raising my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous
Product: Debt collection

Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. 
I have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three bureaus several times regarding an account with XXXX that is reporting improperly. There are inaccuracies with the date opened, last payment date and date last active. The bureaus have updated my accounts several times but have not fixed the inaccuracies.
Product: Debt collection

I attempted to contact the person by the name of  XXXX  regarding a debt we were disputing and wanting more information before making payments related to an account from the hospital that I informed the collector that we had not received. The rep spoke rudely to me and threatened to take action and stated that I was refusing to pay the account since I would not commit to a payment plan. She also states that she sent them to me, I informed her again that I did not receive it and she would not agree to send me another copy of that. She just told me to contact the hospital. In addition I am deeply concerned that the collector is not taking action to verify my identity when calling such as verifying my date of birth or other verifying information to ensure they are not releasing information to an unauthorized party. They have never done this. In addition they have been reluctant to work with me in the past and continue to call me while I am at work.
Product: Credit reporting or other personal consumer reports

XXXX is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. XXXX did not met simple points of XXXX XXXX compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. XXXX failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( b ) - Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Its impossible to ensure maximum possible accuracy when basic data fields are missing. Recent payment, Monthly payment, Original balance, Highest balance are missing along with random ND ( no data ) remarks in between months that have data, very noticeable inconsistent contradictory payment histories. Thats automatically a contradiction. Please update the information for these basic data fields or remove these accounts from my consumer report immediately!
Product: Checking or savings account

Please verify the brokerage account opened in XXXX and credit card account for bank fraud.
Product: Vehicle loan or lease

On Friday, XX/XX/2019 I made my car payment online via KeyBank bill pay. I noticed over the weekend that I had 3 security alert emails, stating an 'online banking account transfer was initiated ' from KeyBank and to call if I had not requested the transfer. I was afraid that they would try to run this payment 3 times so, on Sunday, XX/XX/XXXX I called Key to ask why I had received these alerts. I was informed that there was a glitch in the system and I received the emails in error. I asked if this meant that my payment was being initiated 3 different times and the call rep stated that my payment would not be processed more than 1 time. I unequivocally stated that I did not authorize any more than 1 payment. On Monday, XX/XX/XXXX, I checked my account and noticed that the authorized payment of {$750.00} had processed but they had also transferred {$720.00} overdrawing my account. When I called, I spoke to 'XXXX XXXX and she said verified that the information I had received on the XX/XX/XXXX was incorrect. She said that I would have to wait until Wednesday for the payment to post to my account before they could attempt to reverse it. I did nothing wrong, I did not authorize any more than the one, {$750.00}, transaction, they fraudulently took {$720.00}, overdrawing my account and leaving me with a {$35.00} overdraft fee, then told me that I had to wait for their system to post my payment in another 2 days before I could attempt to get my money back.
Product: Debt collection

Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal informed me XX/XX/22 that I had received a {$5.00} rebate payment from a company I bought a product from. Paypal is requiring my social security to obtain the {$5.00}. I don't do business with Paypal and see no reason to provide them with my social security number in order to get {$5.00}
Product: Debt collection

I was contacted by  MSB about  XXXX  violations ( pa rking m eter and street sweeping ) on    XX/XX/XXXX   a nd    XX/XX/XXXX  . I immediately followed up with the agency to let them know I was not the own of the car at that time at which point they directed me to their online dispute form. I followed their direction including provide proof of when I took over ownership of the car on  XX/XX/XXXX  .  I received a follow up email asking for further information which was then pro vided ( e mail attached ). Toda y,   XX/XX/XXXX ,  I  received another notice with " DEMAND FOR PAYMENT '' in the subject. They are clearly aware given our previous correspondence that I was not the owner of the car so they should try to contact the previous owner.
Product: Debt collection

Re : XXXX XXXX XXXX Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
Product: Debt collection

They are sending debt collection letter and I responded with a letter to not contact me again. I do not owe the debt stated.
Product: Consumer Loan

Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''
Product: Mortgage

My family 's property is facing foreclosure recently, our father passed away in 2014 and we were unaware of any creditors on his living trust, since his death CITIBANK NA has came forward with a claim and is now looking to foreclosure on our property without taken proper steps.
Product: Money transfer, virtual currency, or money service

and your account. 

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately i was hit by XXXX, i wanted to ask for my only XXXX late payment this hit my account. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX, Trans Union, and XXXX 1. Bankruptcy deleted from my XXXX  report as being not verified ( satisfied with that outcome ). Trans Union and XXXX refuse to delete and still write me back as verified! and still reports verified after several letters since XX/XX/XXXX sent to them by me from ( from XXXX XXXX and Bankruptcy court ) not verifying the information. 
2. XXXX  reports : These accounts on several reports now and years ago as closed, discharged in a bankruptcy, open again, to closed again making my score drop significantly low! 
A. XXXX XXXX XXXX : late payment remarks ( I do not have this account so why is late payments being reported ), under a bankruptcy ( says verified but I have written and sent letters from third party agencies and bankruptcy court saying they do not share this information )!, XXXX  deleted the Bankruptcy! XXXX  continues to report this account as having a balance, using 49 % of my account limit which I do not have, charge off ( I do not have any charge offs ), an a open account ( big error ), all inaccurate, late payment remarks shouldn't be, XXXX have closed, reopened, and closed this account, false remarks on many reports before and now! causing a drastic drop in my scores! Trans Union is reporting Chapter XXXX ( not verified ) the latest was XX/XX/XXXX. 


B. XXXX XXXX  XXXX credit card ( XXXX ONLY ) I stress XXXX because an investigation was done on my open XXXX XXXX account of XXXX in error by the bureua ( XXXX  )!!! 
XXXX  has reported this account several ways from XXXX as in a bankruptcy ( not verified ), and closed by consumer which is it? Please delete! XXXX  reports its in a bankruptcy ( a bankruptcy that they couldn't verify so it was deleted from there reports )! and so does Trans Union! 


C. XXXX XXXX : Reports as closed on my XXXX  report ... XXXX  : shows as a open account on my XXXX  report : I do not have an open account with XXXX XXXX! It was first reported as verified in a bankruptcy in previous reports which is it??. Trans Union reports it as in a Chapter XXXX bankruptcy ( not verified ) I sent documentation to them as well! 

D. XXXX XXXX XXXX  XXXX  : Credit bureaus have reported previously discharged in a bankruptcy ( unverified ), and now this account mysteriously reporting open on my XXXX  and XXXX  reports..I do not have this open account!!!!!! ( Not accurate should be deleted ) its reading I am 30 days past due on this account, seriously deliquency60 days past due or more, verified by furnisher as an open account! ( inaccurate )!!!!!. These remarks and reports are wrong should be deleted! and my scores restored. I have dropped over 20-40 points with this wrong information back and forth on my reports, opening accounts that's closed, reopening them again, only to later give remarks as charge off, bankruptcy or whatever comes to their minds at the time!! If the bankruptcy can't be verified delete it and any said accounts associated with them!! 




Thank you for any assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.
Product: Mortgage

Wells Fargo continues to be non-responsive to repeated errors with simple mortgage loan recast. Received invoice for statement date XX/XX/2018 and payment date due of XX/XX/2018 with incorrect principal amount and incorrect total amount due. Amount due reflects previous mortgage amount and not recast amount and principal balance is wrong, failing to account for large balloon payment made on XX/XX/2018. It is truly astonishing how inept this organization is. I have never encountered such a lack of coordination and a lack of accountability. You should run from this organization.
Product: Credit reporting or other personal consumer reports

i mailed out a letter to experian last month in regards to inaccuate and incomplete information. it's been officially been 31 days and experian has yet to conduct and investigation, send me a letter of receipt that they've even receicved my dispute or will be begin investigating. this is complete negligence of experian 's experian 's behalf and i want the following accounts DELETED from my credit report immediately. my consumer rights were violated and i am seeking remedy! 

XXXX XXXXXXXX XXXX XXXX  Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

I HAVE ATTACHED A COPY OF MY ORIGINAL DISPUTE LETTER, A COPY OF MY DRIVERS LICENSE, AND PROOF OF THE CERTIFIED MAIL TRACKING FROM USPS.