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

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccuracies and apparent non-compliance with U.S. Federal Law by NCB, Signal, and XXXX in their credit reporting activities. Based on my understanding, there seem to be multiple violations that undermine the integrity of my consumer report and my rights as a consumer. 

Firstly, it is my belief that the inclusion of certain transactional information between myself and the aforementioned parties in my consumer report contravenes 15 U.S.C. 1681a ( 2 ) ( a ) ( i ), which explicitly excludes information solely pertaining to transactions or experiences from the domain of consumer reporting. 

Furthermore, the furnishing of any data to consumer reporting agencies such as XXXX, XXXX, and XXXX, when the furnisher has reasonable cause to believe that the information is inaccurate, is in direct violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Given that both NCB and XXXX have reported what is now a XXXX debt essentially recognized as a certificate of indebtedness or, according to IRS guidelines, potentially income rather than debt this practice is inherently inaccurate and thus prohibited. 

The failure of NCB and XXXX to issue a 1099-C form for the canceled debt further exacerbates the issue, diverging from IRS mandates for debts exceeding {$600.00}. This discrepancy illustrates a clear oversight in their reporting obligations, raising concerns about the accurate representation of my financial standing. 
Additionally, the sharing of my information with non-affiliated consumer reporting agencies contravenes the terms and conditions of my agreements with XXXX XXXX and XXXX, which assert a commitment not to disclose my details to non-affiliates. It is worth noting that the Consumer Financial Protection Bureau ( CFPB ), which does not furnish consumer reports, is the only true credit bureau as defined by federal law. 

In light of these issues, I hereby revoke any authorization, whether written, non-written, verbal, or non-verbal, for the use of my information as per the Privacy Act of 1974 ( 5 U.S.C. 552a ) and opt out of such authorization under the Fair Credit Reporting Act ( 15 U.S.C. 6802 ). 

Given the inaccuracies notified and their continued presence on my credit report after my initial dispute, it is evident that NCB, XXXX, and XXXX have failed to adhere to their duties under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), specifically the prohibition against reporting inaccurate information after receiving notice from the consumer. 
Lastly, in accordance with Regulation Z ( XXXX Treatment of credit balances ; account termination ), I request the refund of any remaining balance from my consumer account upon its closure. 

This letter serves as a seven-day notice for the resolution of these matters, including the correction of inaccuracies on my credit report and the refund of any due balance to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my FICO credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer FICO credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

The company was 21 mortgage corporation I had XXXX last year and I also had a XXXX that I was out of work for XXXX weeks my pay was only XXXX XXXX of what I made my husband had to change jobs because the loads had been cut back and he also had XXXX XXXX XXXX XXXX we had to fill XXXX XXXXXXXX but we tried to put the house back pay on it and the company pulled it and came back to say we was behind o asked what we could do they said we could fill this loss mitigation and send in and they would send back what they could do they sent me a letter wanting {$8100.00} up front and I could keep the house and land the land was give to me by my mother which is no longer here ai called them and asked could they put on the end of note and let me start with the payment again they said no it had to be caught up or they was going to foreclose in my home I what to keep my home please help me with this and see if the company will work with me I dont have that kind of money to give to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries and 2 medical accounts that do not belong to me and a account that says charge off which is not correct
Product: Vehicle loan or lease

The loan holder changed the way in which a payment could be processed without notifying the consumer which in turn forces the payment to be late because the account being paid from did not have a card for processing payments. Now the only way to make a payment is to pay a fee to pay a bill.
Product: Credit card

The issue is after transferring the balance from my M & T credit card of XXXX, so I could close this account, I logged into the account, and now it is stating I owe XXXX and that was AFTER the transfer. I added all the purchases and it totaled {$1300.00} and some change, and then I subtracted the payments made for that entire month, which left me with the balance of XXXX. That is the amount that was transferred. There is nothing showing that I made XXXX in purchases.
Product: Debt collection

AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.
Product: Debt collection

XX/XX/year> I have contacted the company in to frequent calls. They have contacted my mother home number and other family members that I do not reside with, they have violated my FCRA rights. When I tried to get the issue solved they hung up the phone and blocked my number from calling back their call center. They have also threatened me with legal actions.
Product: Money transfer, virtual currency, or money service

We were working with a roofing company on one of our rental properties. I paid the deposit ( 50 % ) of the Invoice and the work began. At some point during the email conversations, our emails were hacked and the scammer created a new domain similar to the company 's domain. They began spoofing our emails back and forth and requested final payment be made to their office admin through XXXX, as to not incur any fees. I made the payment as instructed, only to find out a week later that there was no one in their office with this name. I contacted Bank of America and started a fraud claim. BOA denied my claim because the payment was processed and send to the " intended recipient '' and they could not recover the money. Their letter stated to " contact the person you sent the funds to directly. '' Not possible since that was a scam account and they have since moved on. I have been a loyal BOA customer for 21 years and they are FDIC insured. I would like my money refunded in good faith as a loyal customer. 

In doing my research, it states : What Do You Do If You've Been XXXX Scammed? 
If you've been scammed with XXXX, you should contact your bank and report the loss of funds as soon as possible. 
Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions. 
In XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent P2P transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 
The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 
If you've been scammed with XXXX and your bank refuses to return your funds, you can file a complaint with the CFPB, which forwards consumers ' complaints to financial institutions to respond.
Product: Credit reporting or other personal consumer reports

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 {$3900.00} EXPERIAN deemed THE ABOVE LISTED accounts as accurate, WHEN THEY ARE indeed INACCURATE they did not properly investigate these accounts during my disputes nor did they provide any evidence of a thorough investigation per my request. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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 the necessary proof of investigation.
Product: Debt collection

I do not know what this debt is, Ive asked them over and over to remove from My credit report. They remove it and put it back on in a few months. This is not my dad is I do not know about this account where it come from or anything.
Product: Student loan

On XX/XX/2020 I was conditionally approved for a student loan refinance by LendKey. 

The Application Summary on their webpage quoted me a rate of 1.9 %, reduced to 1.65 % with an Auto-Pay discount. However, the Loan Disclosure that I was prompted to sign indicated that the 1.9 % rate included the auto-pay discount, and the rate would be increased by 0.25 % if I did not use auto-pay. 

On XX/XX/2020 I notified LendKey of the discrepancy between what they surfaced to me in the web portal and what they were hiding in the fine print, and on XX/XX/2020, they responded to me by email that 1.65 % with auto-pay was the correct rate. 

When I followed up with the customer care team by telephone on XX/XX/2020, they indicated that the correct rate is 1.9 % with auto-pay, contradicting their web portal and the email response that they sent me days earlier. 

I believe that these lending tactics are deceptive, intended to bait-and-switch borrowers by quoting an incorrect rate, and then getting them to sign documents that do not match the rate that they were quoted.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Some of the mentioned accounts contain inaccuracies in their reporting.
Product: Debt collection

I rented out a room in my residence to a stranger that obtained a service. Now the company is coming after me for payment because they cant locate the person. The account does not belong to me and I want it off of my credit report immediately. Also, the Debt Collection agency is not authorized to collect a debt in the state of NC.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry on my credit report conducted by GM Financial. Upon reviewing my credit report, I discovered that GM Financial made a hard inquiry without my explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I never authorized this inquiry, nor did I apply for credit with your company. Under the FCRA, you are required to have permissible purpose before initiating a hard inquiry on a consumers credit file. Since I did not grant such authorization, this inquiry is unauthorized and must be removed immediately. 

I demand that you : XXXX. Provide documented proof that I gave written permission for this inquiry. If you fail to provide this within XXXX days, it will be considered a direct violation of my consumer rights. 
XXXX. Immediately remove this hard inquiry from my credit reports with all XXXX major credit bureaus ( XXXX ). 
XXXX. Confirm in writing that the removal has been processed. 

Failure to comply with this request will leave me with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal action against GM Financial for damages caused by this unauthorized inquiry. 

This is your final notice. You have XXXX days from the date of this letter to respond and take corrective action, or I will pursue all available legal remedies against GM Financial. 

I expect an immediate resolution to this matter. Please send written confirmation of the removal to the address listed above. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the illegal and inaccurate reporting of information on my credit report by CONSERVE Collection Company. When I contacted the creditor to validate the debt, the information provided was incorrect. I was informed that this collection pertains to a XXXX XXXX at XXXXXXXX XXXX  in XXXX 

However, this information is false as I graduated from XXXXXXXX XXXX in XX/XX/year>. I requested the creditor to provide the purchase agreement to demonstrate full ownership of this account, along with any other relevant documents, so I could verify whether this account indeed belongs to me. 

The account in question reflects an open balance of {$5600.00} and incorrectly lists CONSERVE as the original creditor, despite the fact that I have never had any agreement with them. This false reporting is not only damaging to my credit but is also a clear violation of accurate reporting standards. 

This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX of XXXX TN, Account # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX, XXXX and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 1i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed not to 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: Credit reporting, credit repair services, or other personal consumer reports

In response to me previous complaint regarding disputed false accounts # XXXX and # XXXX, Accounts Receivable falsely claim that " consumer has never directly contacted our office, only through CFPB, XXXX and through credit reporting agencies ''. This allegation is false as I have contacted Accounts Receivable directly but they have not responded. Also, Accounts Receivable claims that they " verify identification as accurate '' which claim is also false as they are showing an incorrect ( among several other inaccuracies ) unit number XXXX as part of my address instead of the correct one XXXX. 
Also, they are not showing any proof of debt with my signature - only meaningless computer generated fake or somebody else 's statements.
Product: Money transfer, virtual currency, or money service

I recently purchased a prepaid PayPal debit card from a convenient store, I set an account and download the app. I downloaded the non prepaid app as well. ( The PayPal app that allows a person to send, receive funds online, etc ) I made my prepaid account and then thought it was connected or associated to the original app, but when I tried signing up for the no prepaid account, it said I already had an account. I tried putting in my current email and # but it wasn't the correct information associated with the account, I tried other emails in which I no longer have access to as well as old numbers I've had in the past that I no longer have access to and found both a matching email and number. But the crazy part about this while situation is that I never made an account with PayPal prior to making the prepaid onlme account. Therefore I believe someone has hacked my email because when I tried to recover the email that ls linked to the non prepaid account, to try and gain access to it, I wasn't successful due to the recovery email that was now on file with the email I no longer have access to.
Product: Student loan

My loan servicer is AES and XXXX. This debt has caused many problems for me and my family. My father cosigned for me on the loan, because I was young at the time. My father did not speak English, and still to this day does not speak English, does not comprehend, nor can read or write English. I was XXXX at the time this loan was signed. We both did not understand the terms of this loan. I had just graduated high school. Only been living in United States for six years. Neither of us understand the term of the loan. At the time we were in the understanding that we would pay back the amount borrowed after I graduated from college.
However when I graduated college, I noticed the amount of the loan has almost doubled. We owe more now than when we borrowed the loan. We borrowed {$29000.00}, we have paid back {$24000.00} and now looking at the balance of the loan, we still owe you {$33000.00}. I was making payments during my college years as well as after gratuating.
This contract is invalid due to The Deceptive Trade Practices Act ( DTPA ), because my father and I did not understand what we signed at the time of the contract, and I believe the worker was aware of the communication problems, but did not properly address it, or try to make us aware of what we were getting ourselves into.
Everytime I try to contact the loan servicers I get the run around, with out a real answer of how come I owe more than I borrowed after paying so much.
Product: Mortgage

My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report XXXX student loan provider as a bad actor in reporting false information to the major credit bureaus XXXX, TransUnion and XXXX. It has been falsely reported on my credit reports that I have 14 delinquent accounts with the company. I recently spoke with a representative from XXXX that advised me all my accounts were reported as in good standing, however this verbal response poses as a discrepancy compared to my actual credit reports. I previously consolidated my 14 loan accounts into 2 accounts. However, the loans were in good standing before consolidation and are now being reported as delinquent.