23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

Also these reporting agencies are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Furthermore, I never gave written consent to have ANY of these accounts on my personal credit report. 

I request these accounts be deleted immediately.
Product: Student loan

I was on the phone for XXXX hours today ( XX/XX/XXXX ), XXXX hours yesterday ( XX/XX/XXXX ), and XXXX hours Monday ( XX/XX/XXXX ) in regards to loan consolidation before the one time IDR account adjustment deadline in XX/XX/XXXX. I was transferred from the Consolidation department to the TEACH department several times and then I was told to call my University. My University confirmed that Mohela provided me with incorrect information. No Mohela representative could provide me with any answers. In fact, several times representatives provided me with wrong information and I had to clarify based off of what I read online. Mohela employees clearly lack training and do not know how to properly assist with even the most basic of questions. I have been given several different possibilities by several different representatives and I do not even know what is true and what is false. I kept notes so I could detail each phone call. The representatives chatted their supervisors every single time I asked any question and put me on hold " for XXXX to XXXX minutes '' and then never came back - the phone calls randomly went to a survey and disconnected. My TEACH XXXX became a loan in summer XXXX. It was never in a grace period. It entered repayment. I should be able to consolidate it. I've been left frustrated with more questions than answers, more wrong information than right information, and I need a resolution before I miss the opportunity to consolidate prior to the one time IDR account adjustment.
Product: Student loan

My income XXXX payment is {$0.00}. I just got a bill for over {$1800.00}. There is no way to get ahold of them. They don't answer the phone even after hours on hold. They don't call back if you use the call back option. They don't reply to emails.
Product: Credit card or prepaid card

I am writing to express my disbelief in the methods your organization employs in determining late payment fees accounts. As is evident in the screen shots below, I opened a revolving account with your institution in XXXX. I used the account on XX/XX/XXXX and paid the account balance off on XX/XX/XXXX. When I looked at my statement the amount paid {$660.00} exceeded the amount due of {$35.00}. It appears that I am being penalized for making a large payment and that payment is not taken into consideration if paid before your statement is created.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX. XXXX, XXXX along with XXXX XXXXXXXX XXXX XXXX ( XXXX ) account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. States A consumer reporting agency can not furnish an account without my written instruction
Product: Debt collection

I am a victim of identity theft and noticed a collection from Diversified Consultant. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Diversified consultant in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I had called Capital One complaining that the recently replaced debit card continued to not work despite activating online. I spoke with XXXX from the customer service management team, employee ID # : XXXX. Her response to me was I needed to wait an additional 7 - 10 business days and is not sure what the problem is with the debit card. I had asked if she can expedite the resolution such as sending me a replacement card, despite the card being expired for months and a banking error failing to send me a replacement card. Her response was if I was unhappy I am more than welcome to close my account and your balance will be mailed via a check to your house. As I was extremely frustrated with not having access to my bank account for a number of weeks, as with this terrible lack of service, the bank account was closed. 

After waiting the 10 business days, I still have not received the check but I had received 2 notices stating my account was closed. I called Capital One customer service and after talking to them I was informed I needed to wait an additional week for the check to arrive. A week later, I called back again and was told that the check was mailed out but the check has no tracking records and they do not have any priority mailing option, so they have no idea where the check is. I was told in order to receive my check I now need wait an additional 7 - 10 business days to receive an affidavit form, then I need to fill this out and have it notarized then mail it back. From the time they receive the affidavit, they have 90 days to send me my money. 10 business days later, I still didn't receive the affidavit. 

I physically walked into a Capital One bank on XX/XX/XXXX and told a banker the whole story. They called the customer service for me and had me to talk them and they informed me the affidavit will be mailed expedited in the next 3 business days. I waited another 5 business days and called them again ( XX/XX/XXXX ) and was told there was no expedition on the note on the XX/XX/XXXX and that I have to wait another 7 - 10 business days before I can receive anything ( XX/XX/XXXX ). 

Throughout the whole experience, no one has told me the same information. Every time I call I am on the phone for over 2 hours only to receive a completely different story. The rep I talked to on XX/XX/XXXX is now saying they are seeing my money in the account but they can not give me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but XXXX and Transunion updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Product: Student loan

My loan with Navient started around  XXXX / XXXX / XXXX  and after a year of payments with a lack of clear information, I got fed up with the truth and completed my last payment on  XXXX / XXXX / XXXX .   All my statements were unclear on my balance, my interest amount, and how my money would be distributed within my loan. I discovered on my statements that dates and amount adjustments were n't explained. My online account revealed a bit more information on distribution but still not clear on my interest amount and reasons for company liberties with my account.   In  XXXX / XXXX / XXXX  I spoke with customer service revealing of my $  XXXX  /day  interest &  240 payments til I reach forgiveness of about {$500.00} ( with 12 payments done, I had 228  to go making my interest about the same as my main balance ) At the start of my loan I was quoted {$2800.00} estimated interest for the life of my loan. On  XXXX / XXXX / XXXX  I was quoted " about {$7600.00} '' in interest.   After I paid off my loan in disgust, my brother, who I encouraged to enroll with loan forgiveness servicing discovered that you, the CFPB filed a lawsuit against Navient. I 've been collecting my information to approach you with my issue ... to be included in the lawsuit.
Product: Debt collection

Hello, I sent out a validate date letter with XXXXXXXX XXXX  on XX/XX/year>. Lvnv never responded and closed my account to hurt me even more. I want the debt validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 27 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is reporting the balance on the XXXX collection as {$710.00} Experian is reporting {$760.00} The balance is inconsistent Furthermore, the date of last activity from Exeprian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, however the payment status of collection/chargeoff was reported in late XXXX this indicates from re-aging or manipulation of the delinquency dates and is in violation of the FCRA
Product: Mortgage

My home mortgage loan was being serviced by XXXX XXXX XXXX XXXX XXXX. I inquired with them regarding canceling the PMI insurance from my loan. They asked me to submit in writing a request to cancel my PMI insurance along with a {$390.00} check for a new appraisal. I did XXXX on XXXX XXXX, 2014. I was told the process would take no more than 30 days, this was untrue. It was not until XXXX XXXX, 2014 that an appraisal was finally completed of my home. My home valued at {$450000.00} well above the previous appraisal, qualifying me for removal of the PMI insurance from my loan. Before honoring my request XXXX XXXX conveniently sold my loan to Residential Credit Solutions. I of course immediately called XXXX financial providers and XXXX assured me that my request to remove my PMI insurance would be honored. I called Residential Credit Solutions on XXXX XXXX they confirmed receipt of my appraisal from XXXX XXXX valuing my home at {$450000.00}, but I was told it was under review. I subsequently also received my copy of the appraisal on XXXX XXXX, 2014. I continued to call Residential Credit Solutions several times speaking with different agents ( XXXX, XXXX, several gentlemen ) and in XXXX I was told nothing could be done until my loan reached the 2 year mark which would be as of XXXX XXXX. I called Residential Credit Solutions XXXX week of XXXX and spoke with XXXX ID # XXXX she was supposedly a supervisor she told me I was eligible for PMI cancellation she confirmed she saw my current appraisal on file and said she would process the cancellation. She asked me to call back in a week or so. I called back and spoke with XXXX he also advised he could see in their system my request for PMI cancellation was being processed he also confirmed receipt of my current appraisal from XXXX of 2014. He said he would call me back to confirm results of review within an hour. He never called back. I called back XXXX again spoke with XXXX she then advised me they had no receipt of my current appraisal she instructed me to fax in my copy of the XXXX 2014 appraisal to their correspondence department. I faxed over my appraisal that same day. I called back today XXXX/XXXX/15 spoke with XXXX he advised they have receive my appraisal but my request has been denied. I would have to file a whole new request with them and pay a new {$500.00} appraisal fee. I asked to speak with a manager I spoke with XXXX she advised the same they will not honor the appraisal from XXXX XXXX I would have to pay again and make a new request. 

I am beyond frustrated, I followed all the requirements from XXXX XXXX I paid for a new appraisal. I have no control over the fact that XXXX XXXX sold my loan to Residenital Credit Solutions and I have been jerked around and XXXX by both XXXX XXXX and now by Residential Credit Solutions they know I am entitled to PMI cancelation and they are just trying to rip me off with demanding {$500.00} more dollars for an unnecessary new appraisal. 

Please help me I am at my wits end!!! 

Thank you for taking the time to read my complaintXXXX XXXXXXXXXXXX loan number with Residential Credit Solutions is XXXX
Product: Money transfer, virtual currency, or money service

We have a PayPal account which was hacked. We are unable to get a human to resolve this issue. The customer service numbers are all bots. SOmeone hacked {$8000.00} from our PayPal account which was tied to a XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have 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.
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 XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Product: Money transfer, virtual currency, or money service

I am writing a formal complaint to show my concerns regarding the way Zelle is handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have used Zelle numerous times but despite my loyalty and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system and have left users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against XXXX for failing to properly investigate and validate my disputes regarding inaccurate information on my credit reports. Despite my written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, Midland Credit Management did not provide the necessary documentation. Furthermore, XXXX, XXXX, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial standing. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate action to ensure that my rights are protected, and the inaccuracies are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

On XXXX I sent a dispute that several items on my Transunion credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and Transunion 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter. I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Transunion simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled to.
Product: Credit reporting or other personal consumer reports

I have accounts reporting incorrectly on my credit report they were included in a bankruptcy and is reporting wrong and its my to please gets these accounts removed from my credit report for reporting inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Money transfer, virtual currency, or money service

I make a wire transfer to an account provided by my real estate to chase bank but the account was not from chase was a different bank my bank requested the money back XXXX but Chase dont send the money back is over 1 month and dont get why the said that I need to contact the owner of the account and ask him or her to please tell chase to sand the money back buy chase dont Kip me information to contact that person