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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from my report.
Product: Debt collection

Southwest Credit Systems has been attempting to collect on debt that was settled with original creditor/prior collection agency. They have tried to collect on a telecommunication account ( XXXX ) via threatening means ( garnishment/legal filing etc ) and refuse to remove this from my credit report. They are fraudulently representing/attempting to collect on a paid debt.
Product: Payday loan, title loan, or personal loan

I I took out a {$2000.00} loan because I was out of a job and I have been paying XXXX a month for 5 months now and I still owe more than the principal amount. I'm depressed, the value never went down and the main value went up. impossible to settle the amount. terrible. I call the corporate and nobody give a call. This need to stop and people never have to go in this place called CHECK AND GO! Loan Sharks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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: Student loan

Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello to who it may concern, My Name is XXXX XXXX XXXX I Am currently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am currently enrolled in a XXXX XXXX XXXX here at the XXXX to grasp the true understanding of Building wealth and a positive credit profile / While being enrolled in the program I had the opportunity to have my credit report pulled and I see I have 2 closed accounts along with some soft and hard credit Inqurires/ I am reaching out because I did not open these accounts or make any inquires in regards to opening up and New Accounts I have been iXXXX XXXX XXXX XXXX XXXX  and did not apply for nor did I open any Lines of credit or obtain any credit Cards and would like for these negative Items that are impacting my credit profile to please be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  card had fraudulent purchases on my account as I was notified by XXXX XXXX about fraud committed on my card in XXXX, 2020 via voicemail. After this was addressed and resolved by proof of a letter from XXXX XXXX, unknowingly to me and without my request or consent, I was switched over to a paperless account by someone unknown or XXXX XXXX. If it was an individual it should have raised a red flag to XXXX XXXX after the fraud but obviously it did not. I should have received a phone call confirming the switch to a paperless account like the phone call I received about the fraudulent charges. I do not have a single paperless credit card account and never have. I received a second phone call in late XXXX that they did not receive my payment of {$170.00}. I told them I have not received a statement from XXXX thru XXXX which continued into XXXX. I asked them to switch me back to a paper statement account and remove me from a paperless account. I also asked them to send me a statement so that I could pay the small balance in full on my account in the amount of {$170.00}. They never sent a statement as requested but instead sent me three ( 3 ) months of some type of invoice in mid-XXXX. In spite of not receiving a statement per my request, I mailed the balance of {$170.00} on XX/XX/2020 leaving the account at a XXXX  balance. I requested all late fees and interest to be removed due to the fraud and wrongfully changing me to paperless account without any notification, verification or authorization of this change. They agreed to remove all minimal late fees and interest. After paying the balance of {$170.00}, I received a notice from Experian about my membership credit history account in XXXX that XXXX XXXX maliciously reported my account at 30-days and 60-days late absolutely decimating my life long credit history spanning several decades of very good to excellent credit history. I have never been 30-days late let alone 60-days late on any of my accounts as my history will prove. Subsequently they did not remove any late fees or interest as they said they did. They continue to add bogus late fees and interest to date on top of bogus late fees and interest and again attacking my credit for a 3rd, 4th and 5th time. Not only is this wrong, they have disregarded and ignored the Fair Credit Reporting Act. I had a lawyer send them a letter stating these facts and they have made no effort to resolve their wrong doing causing me financial hardship and bad credit and score, stress, anxiety and a home improvement project put on hold while all this damage to my credit was done by XXXX XXXX during a worldwide pandemic. My lifetime credit history and record speaks for itself. All this damage caused by XXXX XXXX to my excellent credit over a disputed late payment in the minimal amount of {$170.00} dropping my score XXXX points! I am attaching documents to support my dispute and argument against false and untruthful negative reporting by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

The escrow analysis completed on XX/XX/XXXX and again on XX/XX/XXXX, is grossly inaccurate. Please consider this letter as a formal written complaint under RESPA. I have contacted Freedom Mortgage a number of times over the phone to attempt to resolve this matter informally to no avail. <P/>The analysis mistakenly estimates that the property taxes on the property located at XXXX XXXX XXXX, XXXX, IL ( PIN : XXXX ) will amount to more than {$8000.00} for the year XX/XX/XXXX and going forward. This is very clearly incorrect. The first installment of the XX/XX/XXXX taxes, which was paid out of this escrow account, amounted to {$2300.00}. The taxing body, XXXX County, estimates the first installment tax bill as 55 % of the total amount for the prior year. Based on simple arithmetic, the total tax amount for XX/XX/XXXX ( the last full year available ) was accordingly approximately {$4200.00}. This is approximately half of the estimate included in the escrow analysis. Put another way, Freedom Mortgage is estimating an increase of more than 100 % to property taxes within a one-year period. This is obviously incorrect. <P/>A look at properties on the same block as the subject property with similar assessed values offers further evidence that the escrow analysis drastically overestimates the taxes due on XXXX XXXX XXXX for XX/XX/XXXX and going forward. XXXX XXXX XXXX ( PIN : XXXX ), the neighboring house, has an assessed value of {$21000.00} and includes a homeowner 's exemption ; XXXX XXXX XXXX is assessed at {$22000.00}. XXXX XXXX XXXX 's taxes were as follows : {$2800.00} ( XX/XX/XXXX ) ; {$2800.00} ( XX/XX/XXXX ) ; {$2900.00} ( XX/XX/XXXX ) ; and {$3400.00} ( XX/XX/XXXX ) ; the first installment for XX/XX/XXXX was {$1900.00}. XXXX XXXX XXXX ( PIN : XXXX ), another similar property on the same block as the subject property, has an assessed value of {$20000.00}, but without a homeowner 's exemption as the subject property currently has. XXXX XXXX XXXX 's taxes were as follows : {$3100.00} ( XX/XX/XXXX ) ; {$3200.00} ( XX/XX/XXXX ) ; {$3200.00} ( XX/XX/XXXX) ; and {$3600.00} ( XX/XX/XXXX) ; the first installment for XX/XX/XXXX was {$2000.00}. Accordingly, an estimate of more than {$8000.00} for XXXX XXXX XXXX is almost comically overestimated. <P/>On XX/XX/XXXX, the escrow balance on the loan account is {$3900.00} - which is after the first installment of the XX/XX/XXXX taxes has already been paid. Based on a conservative estimate with higher than average taxes, the total amount of payments from the escrow account would not be more than {$5300.00}. That 's only about {$1400.00} more than is currently in the account only four months into the year. Even accounting for the cushion allowable under RESPA, the required escrow payments as listed in the escrow analysis are extremely inflated in violation of RESPA. Again, based current e of the taxes due for XX/XX/XXXX, the appropriate monthly escrow payment would be in the neighborhood of {$440.00}. Please correct these discrepancies immediately and refund any overage due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no words for the constant disrespect and lousiest customer service support I have ever had to encounter.i have called 100 times literally and treated very bad and hang up in my face by every last employee.and they do not try to resolve the issue.i can't believe this company is this pathetic and disrespectful and this is who controls the US citizen credit score is alarming I don't usually file a complaint but this company deserves way more then a complaint Experian is a low down and untrustworthy company.and they just hang up on me again while I was typing this.i need something to be done to them in a very serious manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to the credit union directly, to the CFPB on Equifax and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! Equifax can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and XXXX! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to equifax on XX/XX/23 to update my birthday as it is reporting incorrectly. I submitted a copy of my drivers license that shows my correct birthdate, by equifax claims that the incorrect birthdate is valid.
Product: Debt collection

Hi Portfolio Recovery / XXXX XXXX  I'm not liable for this XXXX XXXX  original company, and i have never had any contractual obligations with this collection company XXXX. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Experian is in clear violation of the FCRA 623 ( a ) for reporting data on my consumer report that is inaccurate and not in metro 2 compliance. I sent them a notice of their many violations on ( XXXX ) to then get no response or notice of their investigation into this inaccurate data on my report. I sent another notice of their violations on ( XXXX ) and Experian still refuses to open a dispute, put a notice of dispute in the comments pursuant to FCRA 623 ( A ) or comply with the law.

According to 15USC1681 ( e ) it is their obligation as a consumer reporting agency to ensure maximum accuracy reported on my consumer report. The following data is inaccurate and must be removed - company : XXXX XXXX XXXX XXXX - Account Number Listed : XXXX - I dispute this account because the agency failed to furnish a notice of dispute within 30 days pursuant to FCRA 623 ( a ) and they're showing the last payment made was made on ( XX/XX/XXXX ) but in the payment history it shows on time payments were made from ( XX/XX/XXXX ) to ( XXXX ). 
Company : XXXX XXXX XXXX - Account Number Listed : XXXX dispute this account because the agency failed to furnished a notice of dispute within 30 days pursuant to FCRA 623 ( A ) and they're showing the last payment made on ( XX/XX/XXXX ) but the payment history shows inconsistent data with late payments from ( XX/XX/XXXX ) through ( XX/XX/XXXX ). I dispute the account XXXX XXXXXXXX XXXX XXXX - Account number listed - XXXX - because the agency did not furnish a notice of dispute within 30 days and they reported my last payment made on ( XX/XX/XXXX ) but in the payment history it shows my last payment made was on ( XX/XX/XXXX ). Company : XXXX XXXX - account number : XXXX - Agency did not furnish notice of dispute within 30 days and states last payment was made on ( XX/XX/XXXX ) but in the payment history ( XX/XX/XXXX ) - ( XX/XX/XXXX ) is reporting as late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On Equifax its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Bank account or service

I recently started receiving marketing from Wells Fargo and its affiliates. This is odd because I opted out of marketing and other non-essential information sharing when the account was originally set up in XX/XX/2016. It appears that Wells Fargo recently changed my opt out preferences without my consent to show that I did not opt out.
Product: Debt collection

Cohn, Goldberg, and Deutsch, LLC contacted the Trustee via presentment through the mail to dispute a debt collection. The trustee responded to validate the debt, cease and desist, trademark infringement, etc. Cohn, Goldberg, & Deustch, LLC has been notified of default, was invoiced, a UCC 1 was filed, reported identity theft to the IRS, and the Whistleblower Division of the US Treasury and IRS have an open investigation on Cohn, Goldberg, & Deutsch , LLC. The debt collection agency pursued the trustee by filing a foreclosure case in Howard County Maryland on XX/XX/XXXX. On XX/XX/XXXX an agent from Cohn, Goldberg, & Deutsch , LLC, trespass on my property, and took pictures in preparation to sell my come online and at the Howard County Court House, MD. XX/XX/XXXX, Cohn, et all.. were verbally and in writing notified of CEASE AND DESIST ESTOPPABLE. The debt collection agency Cohn, Goldberg, & Deustsch, LLC, is registered and doing business in the State of Maryland, XXXX ID : XXXX, as a Debt Collection Agency, transacting business in the name or for the account of a corporation - original lender XXXX XXXX XXXX XXXX  - that has been forfeited in the State of Maryland, any agent or corporation acting on behalf of the forfeited company is MD RULE 3-514 Prohibition against doing business after forfeiture. Cohn, Goldberg, Deutsch, LLC is acting as a Trustee Substitute Trustee with no consent by me or proof of proper appointment by the Trust Indenture Act, 17 CFR 260.5b1, the trustee invokes the Art 4 Sec 1 of the constitution to file rule 12 [ Texas R. Civ P.12 ] Attorney to show authority. There is no contract approved by the Secretary of the Treasury for the Debt Collection Agency, Cohn, Goldberg, & Deutsch , LLC., 18 USC 3718 Contracts for Collection Services , interference with Trade 15 USC 1 & 2 violation, Judicial Authority from Congress as a member of the Bar association, attorneys can not prove they are an attorney general, Rule 18-102.11. Cohn, Goldberg, & Deutsch , LLC hired XXXX XXXX XXXX company to auction my home on XXXX. XXXX XXXX XXXX  and other associated comapny, has posted my personal data [ pictures of my home ] information on their website to be sold online or at the courthouse without my consent. The attorneys can not prove they are attorney general, on behalf of the United States of America based on the Judiciary Act of 1789, Disqualification MD RULE 18-102.11, ABA RULE 2.11, I believe these violations have occurred, 31 USC 3729 : False claims, 18 USC 241 , 18 USC 242 , MD Rule 5-602 - Lack of Personal Knowledge, impersonation, misrepresentation, XXXX activity, MD. Commercial Law Code 3-311, MD XXXXommercial Law Code Ann. 13-301 ( 2021 ), MD. Commercial Law Code Ann. 
XXXX ( XXXX ), Md. XXXX XXXX. XXXX, XXXX XXXX XXXX, Maryland Consumer Protection Act ( MCPA ) and others XXXX