23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681li, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a WELLS FARGO small business card with Wells Fargo and my interest rate was jacked to XXXX XXXX without even notifying me, this is a highway robbery and my small business can not sustain such rates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a few items on my credit report that were reported as fraud, and no knowledge of the accounts, and the credit reporting agencies simply notified the creditor who said yes we believe this is his and just continue to report Agent information on my report even when Ive asked for copies of signed applications of purchase receipts and supplied a police report and identity theft report I get nothing back other than weve investigated this and the creditor said it was valid
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3XXXX ( XXXX - XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXXXXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXXXXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from equifax in XX/XX/XXXX saying, ( XXXX XXXX XXXX turned my name in as being delinquent on a hospital bill by XXXX and something dollars. Sorry not more accurate, but I just threw this information away just a few weeks ago, thinking I had no one to turn to for help. I wrote them and called them several times. My letter began by saying that this woman owes that hospital money. That is not my dispute. My dispute is : that is not my name, or my address, or my birthdate. I sent them written proof of by legal name birthdate and address. I sent them my birth certificate, my driver license and my a copy of my deed to my house. I have not now or ever lived in XXXX. I own my house I have been at my present address, which I own since XX/XX/XXXX. before that I lived at another home I owned. I took them back as long as I have had this last name. Equifax is the one who said that this totally different person was me. Even with proof they refuse to do the right thing. They refuse to take this off my report. Also I just received a letter from them saying for me to go to original source. I did that as well in XX/XX/XXXX. I called the hospital where the bill originated. Finance dept. had absolutely NO problem understanding I am not her. On top of that she informed me that the other woman was not born in XXXX at all. I called equifax back and told them that. It was after that the manager there changed my birthdate to match what they had as hers ... ..
Product: Debt collection

THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. 

Account name XXXX, XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$11000.00} XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.
Product: Checking or savings account

Our business was broken into. A check was found by the perpetrator on a desk. The check was made payable to the XXXX XXXX XXXXXXXX Watershed Management. Over front of the check the word VOID was written. The check was taken to Wells Fargo bank where it was cashed. We contacted our bank XXXX and completed all paperwork including an Affidavit of Fraudulent Activity on XX/XX/2022. XXXX claims they contacted Wells Fargo in XXXX and made a subsequent escalation attempt on XX/XX/XXXX. 

XXXX will not credit our funds until Wells Fargo responds to the claim and it is 150 days since Wells Fargo was informed of the issue. XXXX states that Wells Fargo has no time limit on researching and reviewing the claim.
Product: Checking or savings account

I recently opened an account with Navy Federal and that was about a year ago and a couple times. I had no money in my account I had like maybe {$.00} and then II recently opened account with Navy Federal and that was over about a year ago and a couple times. I had no money in my account I had like maybe {$.00} and then Id see my account say - {$600.00} or negative and then Id see my account. It would be negative over XXXX. My wife had the same similar problem with Navy Federal and we called them and they said oh thats money that you bought something with it will be like what? No we didnt. We didnt have any money so why will we buy it with it? We bought that already and the money already came out and now youre taking it out again and they would just be stealing my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am disputing the following collection account. 
I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within XXXX  days of receipt of this letter ( XXXX XXXX. XXXX ). 

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reporting this information previously and it's coming to a point that I'm going to have to report this to the XXXX XXXX XXXX and to small claims courts or whatever judicial entity I have to file to. 

As I was reading in the FCRA and the FDCPA and I found many discrepancies to the information. I have not furnished the information they've reported on my consumer report. Based on 15 USC 1681, 1692, 6801, 6802, 6803 and 6804, XXXX, Experian and XXXX have broken the law with reporting things on my consumer report that was not furnished by me, nor did I approved them to furnish any of the information on my consumer report. 

All of the information listed below are bringing damages to my name and my ability to acquire credit at a better rate/term situation. Therefore, late payments, charge-offs, collections, high balances, personal information and inquiries, etc... need to be removed from my credit file. Third party companies have no ability of approval to report these items on my consumer report. 

These are the accounts that are causing defamation to my name : Account Name XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information to Remove Name Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiries Name Date 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

On XX/XX/2022, Portfolio Recovery reported my account in the amount of {$450.00}. The balance is incorrect and a settlement for deletion arrangement was applied in the amount of {$100.00} which was paid.
Product: Debt collection

Received a call requesting payment for comedy bank. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account Number XXXX showing balance of XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account says it was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account XXXX XXXX showing balance of XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I filed a complaint against the Bank of America about not reporting to the credit bureaus that I have a mortgage. This has greatly affected my credit score and the amounts I pay on my credit cards interest rates. My previous complaint number with the CFPB is XXXX. I believe the CFPB closed the file after the response by the B of A. After I read the response by the Bank of Americas employee " XXXX XXXX '' I was greatly concerned about the blatant dishonest statements he made in his response. To be more accurate he blatantly lied to the CFPB. To make it worse he did it in writing. The only thing I have been trying to do is get the B of A to report my mortgage payments to the credit reporting agencies.The B of A 's continual response is I have not reaffirmed my mortgage after my bankruptcy in XX/XX/XXXX. I contacted my bankruptcy attorney XXXX XXXX and asked if this was true. She explained to me that when I modified my mortgage under the Obama plan that I had reaffirmed my mortgage. Her office also explained to me that for some reason the only mortgage holders who refuse or give continual problems to customers about this issue is the B of A. She has told me to contact the B of A to remedy this issue. I have contacted to B of A and the CFPB about this issue and the issue still has not been remedied. In the response to the CFPB dated XX/XX/XXXX " XXXX XXXX '' employee of the Bank of America stated on page 2 paragraph 3 under RESPONSE, XXXX XXXX stated that as of XXXX XXXX that my mortgage was in Default Status. Why would XXXX XXXX make such a dishonest statement. Did this make him feel like a big person, or has the Bank of America gone back to their old ways of doing business by making a home owner feel like they may lose their house by defaulting on their loan when they are not actually in default. At the time of the letter written by XXXX XXXX my house payment was two weeks late not in default status. There is huge difference. Also my mortgage payment was made. I am once again asking that the B of A report my mortgage payments to the credit reporting agencies and investigate why XXXX XXXX would make such a dishonest statement to the CFPB. Federal agencies and the customers of The B of A should all be allowed honest statements and reporting by the Bank of America. Making dishonest statements and not doing what is right only reduces the amount of trust the public and federal agencies have in a institution such as the Bank of America.
Product: Credit reporting or other personal consumer reports

I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Credit reporting or other personal consumer reports

I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX I don't understand how this account is reporting several different amounts of money owed from XXXX XXXX with the account numbers reporting in different ways this is blatantly absurd and I'm disappointed because its plain and clear these companies are not doing their jobs XXXX XXXX XXXX XXXX Account # XXXX The XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Pursuant to 18 USC 8 , I owe these companies no debt, this is violating my consumer rights to privacy to 15 USC 1681 b 2 companies has also no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Student loan

My account lists an income recertification date of XX/XX/XXXX for my current income-driven repayment plan. According to the laws around restarting of payments and income recertification this should be pushed back a year. To make this clear, the Federal Student Aid office published the following response to the question of when we would have to recertify after payments restart : " The earliest you could be required to recertify is XX/XX/XXXX. 

On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' XXXX XXXX XXXXXXXX I sent a message to Mohela to have this corrected and they have not responded and I am reading many online reports of them not updating this information in a timely manner with potentially major financial ramifications. As my date clearly falls before XX/XX/XXXX they are required to push back my start to sometime around XX/XX/XXXX. It is now only about a month away and I need Mohela to take action now.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS, I have written this company and certified mailed them asking for a debt validation letter and to stop contacting me. They emailed me this morning asking for money for a debt I do not owe. I have also forwarded them a copy of a letter from the last debt collector that could not provide me with a debt valid letter. This company should remove themselves from my credit and stop collecting efforts