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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable XXXX XXXX and XXXX also failed to mark this account as disputed violating CRA 623 ( a ) b ) by failing to mark this disputed account as disputed
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and am requesting the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were part of the data breach, and I believe that they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} 4. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXNELNET - XXXX - XX/XX/XXXXXXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed XXXX XXXX XXXX XXXX  and now XXXX XXXX XXXX. Each time I dispute it a new account is added to my credit report. Each collection agencies are reporting are showing the original creditor as, XXXX XXXX XXXX debt, they're reporting the same amount but different account number and they're reporting it as new debt. If the account was sold to a debt collector, it should be removed by the old debt collector and the original date should show. In this case that's not the case they are reporting as new debt. How can I owe the same debt three times.
Product: Student loan

My loan was sold by XXXX to Navient. Navient then " adjusted '' my account so the due dates of the XXXX loans were the same. This somehow resulted in my monthly payment going up by {$10.00} per month. Over the remaining 72 months this results in Navient receiving an additional {$840.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Someone wrote me a check and out bounced and Bank of America closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX - XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My loan was modified XXXX XXXX by OCWEN Loan Servicing in the amount of {$49000.00}. This amount was divided in XXXX over the next XXXX years beginning in XX/XX/XXXX making XX/XX/XXXX year XXXX, XX/XX/XXXX year XXXX and XX/XX/XXXX year XXXX. The agreement was contingent upon my not missing more than XXXX payments, I have made all payments on time or before time. In XX/XX/XXXX I receive a XXXX for {$33000.00}. I have conversed with OCWEN XXXX times When I called OCWEN XXXX XXXX the said I will receive a new XXXX for {$16000.00} as the loan modification began in XX/XX/XXXX. Not having received the new XXXX I called XXXX XXXX and spoke with XXXX # XXXX who said they ( OCWEN XXXX did n't mail me the {$16000.00} in XXXX instead it was mailed early XX/XX/XXXX therefore XXXX deduction is not available. I asked him about the modification contract I have in hand dated XXXX and that it states the modification starts in XX/XX/XXXX and that it clearly states the XXXX year being XXXX, he would not answer. I also have my XX/XX/XXXX monthly statements that show the total reduction yet he would not acknowledge ; he kept repeating the " XXXX charge '' was per IRS guidelines but would n't discuss why the contract/modification starts in XX/XX/XXXX. In good faith I held up my part of the modification by making every payment on time. Now I have to pay taxes on something I should not have to. My Account # is XXXX. I have not contacted an attorney yet.
Product: Mortgage

In XXXX oXXXX XXXX, Loan Depot indicated that my XXXX XXXX was short {$14000.00} for my property tax bill and that I would be required to pay an additional {$1300.00} per month to address the shortage on top of the XXXX that would be the new monthly tax payment escrowed going forward. I identified a discrepancy with my jurisdiction and in XX/XX/2022, my jurisdiction reissued a new tax bill clarifying that the tax obligation for the year would be only {$1800.00}. The jurisdiction acknowledged a credit that was available for overpayment of my tax obligation along with instructions for LoanDepot to collect the credit. LoanDepot has made no efforts to collect this credit to apply to the escrow account. 

Since XX/XX/2022, Loan Depot has not accurately corrected the tax obligation and instead increased the amount due to address the escrow shortage. I have requested multiple tax and escrow analyses to be performed on the account, LoanDepot acknowledges their error in telephone conversations and refuses to adjust the monthly mortgage payment for XXXX and XXXX to correct this error. Moreover, despite the overpayments to the escrow account, LoanDepot continues to show an escrow shortage. The additional {$2500.00} per month being asked to pay despite my annual tax obligation being only {$1800.00} per year is egregious and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This small account was opened under my name and information by a minor. It was brought to my attention through a credit monitor service and I paid it off and the account was closed. It doesnt look good on my credit. Ii have attempted to get it removed and have received no help. Its handled I just would like it removed.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX  identity, theft, affidavit. Please delete this items as soon as possible.
Product: Debt collection

After receiving a copy of my 3 bureau credit report in XX/XX/XXXX, I noticed that Pro Collect was reporting a balance of {$1000.00}. I am unfamiliar with this company so I reached out to them in hopes to get some clarity on this alleged amount due. During the call I was told that they are a third part and have been collecting on the account since XX/XX/XXXX. I requested, both in writing and verbally, a copy of the contract and /or validation of this account on XX/XX/XXXX and have yet to receive either. 
The presence of this account has made it difficult for me to obtain even the smallest amount of credit and has caused a great strain on my lifestyle. I also disputed this account directly with the 3 CB 's and they came back verified. I requested the name and documents used to verify this account well over 30 days ago. According to the FCRA it must be deleted from all reporting entities. I am requesting that Pro Collect comply with FCRA, 15 U.S.C under Section 611 ( a ) ( 5 ) ( A ) ( i ) and delete this account immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Product: Checking or savings account

i went XXXX XXXX XXXX huntington atm, it allowed me to put my card in and enter my pin and allowed me to take my card, it then said it was having trouble dispensing money i immediately went into the branch and XXXX the teller was rude and unwilling to help me and said it was put back into my acct, which is a lie an still is then the manager came out XXXX, she was also rude and refused to assist me and refused to show proof a dispute being made i went out to my car and immediately called huntington customer service and they are not able to assist and i have esclated the call to the disputes dept supervisor as of right now i do not have my cash and no credit has been put into my acct
Product: Credit reporting, credit repair services, or other personal consumer reports

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to XXXX, XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Debt collection

I received alerts on my credit reports from XXXX XXXX and XXXX that i have a negative report on a Collections from a collections agency called Cedars Business Services for {$1000.00} opened on XXXX XXXX XXXX The original creditor that reported to the collections agency was XXXX. 
I have no knowledge of such debt nor have i made any transactions with XXXX 

Please help me with this issue and get it off my credit reports and history. This is a false allegation from XXXX and Cedars Business Services. 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX until now they never answered phone when they did they ran it several times they have taken over XXXX dollars in a year from my account sending it to whoever and I cant call or talk to a person and cant text until it clears from bank dont make sense
Product: Checking or savings account

On XXXX XXXX I was going to start a cd account with grain credit! I changed my mind and requested my {$150.00} security deposit back on XXXX XXXX. I requested to cancel the security deposit and close account after it cleared from my bank on XXXX XXXX! When I emailed them they canceled my security deposit to be re directly deposit into my account! Ive contacted grain via support, email, phone, and I also left a bad review on the App Store! On XXXX XXXX they took out {$150.00}! After I had contacted them through support! On XXXX XXXX I filed a dispute with my bank! On XXXX XXXX I sent request through support page on grain again to cancel my account and return my funds! So Ive tried calling its say no representative is available! Ive called all day still no luck! On XXXX XXXX I sent another email still no response! Ive sent emails through support constantly everyday to grain support known as trygrain! Still no success on XXXX XXXX grain responded through email I will have expedite your request! No luck Im still waiting on my money for my security deposit that grain technology took out my account! Still no luck! Its XXXX XXXX and yet Im still short my {$150.00} security deposit! I have been sending support team emails since XXXX! Today is XXXX XXXX and I contacted my bank and they denied my claim! I logged on to grain its a whole different limit with another XXXX security deposit that they want me to pay to fully use the account! No I want my {$150.00} deposit back! Grain is a scam I want my money! What are my next steps into getting my money!
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 I mailed two letters to experian. 

The first had a dispute of a credit account that had been misreported, along with documentation and a paper with a copy of my driver 's license and social security and, front and back. I received an email on XXXX XXXX stating that they could not verify my identity and would not process the dispute. 

The second was a letter disputing accuracy of an account. This one included a photocopy of my driver 's license and social security card, front and back. I received an email on XXXX XXXX staying they could not verify my identity and would no process the dispute. 

I called experian and they ( XXXX ) told me they didn't have my first dispute and the second one only had the letter without my identity documents. I asked to speak to a supervisor who I spoke to on XXXX XXXX who stated that they received only the one letter and no identification documents or supporting documents. I asked for accountability of my identity documents. She refused to acknowledge receiving them and refused to help me get in contact with the office responsible for receiving my letters. 

Either they lost my identification documents or they are using a stall tactic to delay processing my disputes. I want my identity documents accounted for and I want my original disputes investigated.
Product: Student loan

I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.
Product: Checking or savings account

I made a deposit on XX/XX/XXXX and the bank accepted it the next day my account was closed and my deposit unaccounted for by the bank. I spoke to the branch they confirmed my account was closed however my deposit will be processed. however according to costumer service there is no record of any deposit.
Product: Debt collection

I need HELP!!! Please!!! This account is false and I was told on MULTIPLE occasions they had handled it and I did not owe this and it keeps showing up and its killing my credit! I have tried so hard I am a Single Mom and At 43 FINALLY got my 1st New Car by myself. I have been so thankful and diligently pay my car payment on time every single month. Then you have companies like this I pay half almost of my check that I ONLY HET ONCE A MONTH AND WORK MY REAREND OFF FOR FOR INSURANCE. These people that are saying I owe this to have generated more FALSE charges than anyone. I pay my co payment every month plus some when I go to the dr and then they come up with these bogus charges and at the office they are either lying and making false office visits and charges or someone has pretended to be me. I was told in XXXX this was taken care of I DID NOT OWE THIS and it would be removed! Well here I am XX/XX/XXXX and STILLLLLL fighting with these people. Its a shame and disgrace hard working ppl like myself who are just trying to stay afloat and take care of their families deal with this and the government freaking ALLOWS IT! They are all crooks in my eyes. I do not even go to the dr bc my freaking deductible is SOOOO HIGH but yet some how I STILL have these mysterious dr bills I keep disputing and paying XXXX to rebuild my credit but it doesnt seem to be helping. Half of the things on my credit report I am seriously clueless and havent even been to the dr AT ALL THIS YEAR so lets see if this dispute helps anything. Like I said especially now we are all just trying to survive due to COVID-19 not to mention I am a XXXX and work at a XXXX XXXX ESSENTIAL WORKER AND THIS IS WHAT HAPPENS! Thanks America and XXXX! 
Yours truly, XXXX XXXX A.K.A. Single Mom just trying to survive in todays Corona infested society!
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XXXX from a dealership and the loan was funded through XXXX XXXX for a term of 39 months, Approximately less than a year into having the vehicle it had a major mechanical failure with the braking system causing the vehicle to leave the roadway while driving striking several trees and ultimately being declared a total loss by the auto insurance company, furthermore the insurance company issued a check to XXXX XXXX to satisfy the loan on the vehicle. 

Unfortunately XXXX XXXX claimed there was still a balance of almost {$1600.00} remaining that the insurance did not cover, however they never provided any proof of what amount was paid to them by the insurance company, they have failed to supply evidence to support their claim that there is any balance due after the insurance payment. 

I believe XXXX XXXX is participating in illegal and deceptive practices by continuously reporting an open collection on my credit report and claiming that I now owe over {$4600.00} to them, their deceptive reporting claims that this loan was closed later than it was as they continue to try and reset the clock on how long they can legally try to collect on this bogus debt it has been over 8 years since this loan was paid an closed yet they still continue to violate the law and report this as an open debt negatively affecting my credit, Additionally XXXX XXXX in XXXX was sued by multiple states for the same deceptive billing and trying to cheat customers out of money with their inaccurate billing. 

If this debt is not removed within 30 days a complaint will be filed with the New Jersey Attorney General Office along with the XX/XX/XXXX Court of New Jersey and a lawsuit will be filed against XXXX XXXX if they fail to comply.