23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

They keep declining me for the Apple Card for the same reason every time.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX **** Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

My name is XXXX XXXX. Main Street Personal Finance ripped me off big time. They also dba XXXX XXXX. I borrowed {$12000.00} and wound up paying {$120000.00}!! Then at the time of payoff they charged me an extra {$10000.00} for attorney fee for writing me letter giving me 2 weeks to pay off the balance which {$3000.00}. When I carried the {$3000.00} they refused to take it and wanted {$13000.00}! I had to come up with {$13000.00} in 2 weeks time or lose my home!! I have all my paperwork and receipts!! They are crooks!!
Product: Credit reporting or other personal consumer reports

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. It is important to note that the payments in question occurred during the
COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

I have a mortgage loan originated XX/XX/XXXX. All payments have been paid the month prior to their due date. First payment was made XX/XX/XXXX to satisfy it's XXXX XXXX, XXXX due date. All payments to date, XXXX in total, have been paid early. XXXX XXXX sold my loan to Selene Finance LP with both company 's identifying XX/XX/XXXX as the effective date. First payment to Selene Finance LP for the XX/XX/XXXX due date was sent and posted from my checking account XX/XX/XXXX. Selene Finance LP is adamant and has repeatedly asserted via paper, telephone, and email correspondence that they are owed a XX/XX/XXXX payment, when they were NOT servicing the loan according to their own documentation on that date, AND the payment was made in full to XXXX XXXX long BEFORE Selene Finance LP assumed servicing the loan. I assembled and mailed them a paper package XXXX pages in size, which was exhaustive to put together. That package contains the loan orignation documents, every single mortgage statement showing timely payments in full, and every single monthly checking account statement I have corroborating that every single payment was made in a timely fashion and in full. I believe Selene Finance LP is in violation of the law in that they are demanding double payment for XX/XX/XXXX, which violates the terms of the loan origination contract I signed at closing.
Product: Vehicle loan or lease

I am writing today in regards to a car loan on my credit report with XXXX XXXX Account # XXXX. On my credit report I note a late pay in XXXX XXXX The term of this lease has been complete with all on time payments I have no idea what that is.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX Balance {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$490.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$460.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TEXAS, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC has reported negative collections item on my credit report. This violates FCR 15 usc1692c, and states that all communication must desist. Reporting these items to the credit bureaus is a form of communication and is a violation of this law. These items, which are two, have caused me great strain and stress. And I request that this be investigated, rectified and removed from my credit report immediately. 
LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Debt collection

THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and Experian do not have my consent to furnish this information, per privacy act of XXXX am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported fraudulent information without my consent or stated clearly 15 U.S. Code XXXX  XXXX - PRIVACY 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code 15 U.S. Code 6801 - Protection of nonpublic personal information XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.

I have sent in multiple permissible purpose letters and Metro 2 compliant letters asking to delete this account due to the numerous inaccuracies, however these Bureau 's keep stating that the account has been verified and reporting accurately which is false. This is grounds for removal and deletion. They also violated my rights under 15 U.S.C 1681 section 602 A ; which states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; states that a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has been reporting an outrageously high price and that is incorrect. Company is trying to charge accelerated rent which is illegal while taking us to court for {$5000.00}. If numbers are not corrected court will get involved
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX ARE PAY ...
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX I am writing to urgently request that you review the reporting of my account with account numberxxxxx in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Account was paid in full on XX/XX/XXXX, called on this day to have the {$250.00} annual fee removed and to close the account. Agent could not provide a reference number for the transaction/account closing. Account has not been updated in reporting to XXXX since XX/XX/XXXX. Since, account is a XXXX balance and closed by consumer, it should be updated in reporting to all major credit reporting repositories as such.
Product: Credit reporting

Experian has XXXX 30 days late on my credit report from XXXX. I have sent this company copies that shows I made my payment by the end of 30 days. The law states consumers has 30 days before it is reported late to the credit bureau. I want this company to change from 30 days late to OK.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a car from a car dealer shop called XXXX. XXXX XXXX XXXX. The car dealer spoke to Navy Federal Credit Union twice without my consent on XX/XX/XXXX and XX/XX/XXXX. Navy Federal Credit Union received the VIN number of the car XXXX XXXX XXXX. They did not check the VIN report or check the accurate price of the car value for XXXX dollars. Navy Federal Credit Union released XXXX dollars in to the car dealers account XXXX XXXX that was not a legit company. I did not receive the car or get a refund. Navy Federal Credit Union management department is aware the car was sold to another car dealership that is registered to the VIN report called XXXX XXXX XXXX. XXXX XXXX XXXX confirm the car was sold with the title. Navy Federal Credit Union was denying my disputes of the auto loan for seven months. Navy Federal Credit Union is taking unauthorized fees from my credit card to pay the auto loan. I have two police reports and FBI report. Navy Federal Credit Union refused to call me back for a resolution.
Product: Mortgage

My complaint is that our house was foreclosed on XXXX/XXXX/2016. During this time our application for modification request was in review ( as noted on the XXXX Notes ) Please take a look at the letter dated XXXX/XXXX/16 where it states Ocwen was acknowledging the receipt of the application for assistance, when in fact, this request for assistance had been submitted back on XXXX/XXXX/2016 ( Listed on the XXXX Notes ) Also, please make note as to how many Ocwen representatives touched this file -- there should only be XXXX Single Point of Contact or Account Manager working the file. Due to the fact that Ocwen is a servicer for XXXX XXXX Bank, and under the scrutiny that XXXX XXXX has been under, here is another case that should be reviewed for the discrepancies by the Servicer, Ocwen. They created DUAL TRACKING and foreclosed on this house while in Modification Review.
Product: Debt collection

I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I have submitted police reports in XXXX XXXX XXXX and XXXXPrecinct XXXX XXXX XXXX where the perpetrator lives. 

As a member of Paypal who does all my processing, I was assured protection from illegal charge backs. However PayPal have lost 4 times including XXXX XXXX by XXXX XXXX XXXX that were done under PayPal seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which Paypal states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to Paypal prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by Paypal - PayPal now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to Paypal. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also Paypal refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws of XXXX. Clearly evasive action by Paypal not to honor their commitments. The internet is full of cases where Paypal routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's XXXX whom all state Paypal is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom Paypal advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus PayPal fees. 

I need help. Paypal is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by Paypal. Please contact me for any additional information. I have also filed with the FBI.
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act Convergent Account name, XXXX 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 a account without my written instructions.
Product: Debt collection

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX SERVICES This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct these incorrect information kept getting ignored and I had enough. This has affected all aspects of my life XXXX ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Product: Student loan

I am reaching out in regard to my XXXX plan and how my monthly payment was calculated for my student loans. I believe my servicer Nelnet have wrongfully calculated my monthly payment. I had spoken with the Department of Education, and they informed me to follow the self-certification process on XXXX, which I followed and processed back in late XXXX. They informed me that I only needed my 2022 tax returns, which I provided. I called Nelnet and they told me submit my tax documents for them to re-calculate as well. 

I have attached my student loans application and tax return for your info. 

I have waited for months for updates on the recalculation because based off my 2022 tax return, I make less than XXXX which qualifies for the XXXX XXXX monthly payment. Thank you.