23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from XXXX, and confirmation # XXXX from XXXX, Experian never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). XXXX, Experian and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, Experian and XXXX failed to Investigate both times according to federal law ( FCRA ). XXXX, Experian and XXXX haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand all XXXX accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX bal. {$0.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I started receiving help notifications about saving my home from foreclosure and didn't understand why. I went to my online account site and it stated I had missed my XX/XX/2023 payment. I quickly called to no avail, telling them I have proof it was paid. I sent verification from bank that it was in fact paid. My account still showed I was behind by one payment. I filed another complaint through the PHH website asking what is the issue now. The Company representative stated that it wasn't the XXXX payment, but the XX/XX/2023 payment. I disagreed once again with him ( PHH Escalation Manager XXXX? ), and sent him proof of XXXX Payment. He assured me he would look into this and get back to me. It's been over a week and I still have had no communication from him. I have sent reminders and sent another complaint through the website. My account is now showing late for XX/XX/2023 on website and nothing has changed. Attempts to contact have led to a person who does not listen and argues with me with every question. I have documentation of their online transactions which make no logical sense with all kinds of transactions stating Misapplied funds etc.
Product: Credit card or prepaid card

Complaint XXXX previously filed complaint I received 1 cash advance from 5th 3rd 6 months ago off my XXXX credit card. Filed complaint here and there resolve was to mail me a check for XXXX. I had to pay XXXX cash advance fee and I am being charged 25.9 percent interest monthly which averages XXXX per month and it has now been 6 months so 6 times XXXX plus I have other charges on this card and can only pay my minimum each month so these charges are going to continue to accumulate I need Fifth Third to prove to XXXX  that I only received 1 XXXX cash advance that day so all fees and interest get rrmoved and stopped for this advance I never received.
Product: Student loan

Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in 2012, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Product: Checking or savings account

On Monday XX/XX/XXXX, I received an email informing me by checking account 's balance was below XXXX. The email stated I had a GRACE PERIOD to XXXX XXXX to avoid overdraft fees. There was no additional information in the email about the account ( i.e., any pending bills ). On Tuesday at XXXX XXXX I made a deposit to bring the account fully back into positive territory ( aka, I deposited enough cash at the ATM to ensure if there was a pending bill, it would be paid ). Yet the same day, at XXXX XXXX I had received an email ( which I didn't know about until that evening as I'm not staring at my personal email XXXX times a day ) a bill was returned due to a negative balance on the account. That email stated the bill had been received by the bank on XX/XX/XXXX - since the account had a negative balance, by the following business day, the bill was returned to the payee. When I called to inquire why the bill wasn't paid even though the account was fully funded as of XX/XX/XXXX I was given the runaround regarding how the account didn't have overdraft protection and I would need a different account if I wanted it for the future. Likewise, Wells Fargo has repeatedly refused to answer my questions as to why their most basic account ( which I have - Clear Access ) is charged $ XXXX  monthly service fee ( and BTW, has no overdraft protection, nor does it have physical checks ) - yet XXXX of the ways to avoid a {$5.00} service fee on the one I have ( Clear Access ) or a {$10.00} service fee on their next highest account ( Everyday Checking, that does have overdraft protection and physical checks ) is to be between the ages of XXXX and XXXX. Evidently, when a person turns XXXX, that's when Wells Fargo can charge another {$5.00} in account fees ( why, they refuse to answer ). I want Wells Fargo to explain why there is a {$5.00} difference between their XXXX most basic accounts ( everything is digitally processed, and XXXX XXXX has no access to physical checks and and wouldn't use them for the XXXX XXXX account, so this is a moot point ) as well as, why there is an random age ( XXXX ) tied to when they can no longer charge any account fees. It makes no sense why you can be XXXX and have a XXXX checking account... but when you turn XXXX suddenly the bank is allowed to charge you for a XXXX XXXX ( unless you qualify for another exception ).
Product: Credit card

I am writing to express my dissatisfaction with Capital Ones price match policy, which I believe was not honored correctly. 

On XX/XX/XXXX, I booked two round-trip flights from XXXX ( XXXX ) to XXXX ( XXXX ), for travel from XX/XX/XXXX, to XX/XX/XXXX, totaling USD XXXX. Shortly after, I found the exact same flights on XXXX for a total of USD XXXX. I contacted Capital Ones support team, and while they confirmed the listing on XXXX they cited a price of around USD XXXX and offered a price match difference of only USD XXXX. 

I verified XXXX price of USD XXXX on multiple browsers ( attached are the relevant screenshots ), yet Capital Ones price match system did not reflect this. The actual price difference should be XXXX. This discrepancy is frustrating, and it suggests that the price match policy is not being applied fairly, which feels misleading. 

I request that Capital One reassess this situation and honor the proper price match difference, as this inconsistency reflects poorly on the companys integrity. 

I look forward to your prompt resolution of this matter.
Product: Debt collection

I have an unverified account from DIVERSIFIED. I had previously disputed this account. I have never done business with DIVERSIFIED pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX  and account number XXXX Account name XXXX XXXX and account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my whiten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX Acct. # XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS - Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. 



Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been a victim of identity theft and my information have been exposed on the Equifax data breach there have been a numerous amount of accounts that i have discovered on my credit reports that need to be deleted and investigated. please send me a updated copy of my information and credit report once information is deleted.
Product: Debt collection

I received a summons to report to court for a debt that was purchased from XXXX XXXX XXXX and spoke with a rude individual from a legal firm never sent a dispute letter and never served they filed a lien on case # XXXX XX/XX/2022 and the debt that is well over 7 years old. They sent a copy of this letter came from a law group Resurgence Legal Group located at XXXX XXXX XXXX XXXX XXXX in XXXX il. The Debt collector refused to let me speak with a supervisor concerning this refused to give his name and was just rude he literally hung up on me and sated he has filed a law using threatening language and he was uncooperative I told him that i would pay this because i did not want this on my credit after payment was made he refused a paid in full letter stating he will send it in 5-7 business days. I paid on line on there web site and the payment cleared and he still refused to send a receipt of payment and rudley hung up.
Product: Credit reporting or other personal consumer reports

The following hard inquiries appear on my Experian Credit Report. I demand immediate removal. 
I demand under the Fair Credit Reporting Act ( FCRA ) Section 604 : 1. Permissible purpose 2/ My WRITTEN authorization 3. Proof that I personally initiated the inquiry Under 15 USC Section 623 Experian has 30 days to do a reasonable inquiry into this matter. Either provide me strict proof or DELETE the items immediately. If you do not delete the following inquiries within 15 days, I will take legal action. 

DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have the following inquiries listed on my credit file, are not mine, they are to be removed as fraudulent applications have been submitted in my name, hence why there is a fraud alert on my file. Should you have a better system I would have placed a security freeze but Equifax cant figure that out, nor do you have a website that works half the time. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was not even aware of the transition from XXXX XXXX now to Naviet. After realizing all of the interest that has increased and how much it was impacting my credit and progress, I signed up for a repayment plan for about a year now and my overall payment has not decreased. I feel like I was cheated, I have XXXX loans and I still ca n't seem to figure out why the balance is as high as before I started making payments just to keep it from reporting negatively on my report.
Product: Debt collection

On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX informing me that she was notified by my bank that they were in receipt of their request to freeze my bank accounts and that she had just given the enforcement team her permission to proceed to access my property at my business and home addresses. Her statements were a blatant violation of both the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXX ), which impose strict prohibition against deceptive, unfair, and abusive debt collection tactics. 

XXXX XXXX falsely stated that my bank accounts would be frozen, implying that legal action had already been taken when it had not. False representation of legal consequences is a violation under 15 U.S.C. section 1692e ( XXXX ). She threatened to take an action ( freezing my bank accounts ) that she had no intention or ability to carry out. She made false threats and misrepresentations under XXXX. She misrepresented her ability to freeze my bank accounts, violating both California law and the FDCPA ( which is incorporated into the RFDCPA ). XXXX XXXX XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a collection on my account that I do not recognize. I am not liable for this debt I do not owe this company any type of debt please remove this account from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent off an dispute letter referencing inaccurate reporting & late payments to, XXXX, XXXX XXXX Experian for a chance to correct their errors. I was never late on these accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late for the following accounts XXXX  XXXX ( XXXX, XXXX & Experian ) Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX  XXXX ( Experian, XXXX & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX  XXXX ( Experian, XXXX & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Student loan

I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX -XX/XX/XXXXAmt {$0.00}