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

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, CT XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX, MA XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX  MA XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX Balance {$800.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$980.00} ; XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$3100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$860.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$560.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX XXXX {$5200.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX WY XXXX, FL XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX NA Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous & Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Money transfers

The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App [ Block , Inc. ] due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act [ CFPA ]. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act [ EFTA ] and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to formally dispute the debt you are attempting to collect as well as to bring to your attention several violations of my rights under the Consumer Financial Protection Bureau regulations and the Fair Credit Reporting Act. As per the referenced consumer laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s 2 ( 7 ) ( A ), it is evident that your actions have not adhered to the prescribed standards. Firstly, I dispute the validity of the debt you are attempting to collect. I have not received any verification or validation of this debt as per my rights outlined in 15 USC 1681s 2 ( 7 ) ( A ) of the Fair Credit Reporting Act. It is imperative that you provide me with detailed documentation verifying the debt, including the original creditor 's name, the amount owed, and any relevant account statements. Furthermore, your collection practices have violated my rights under 12 CFR 1006.34. Specifically, your failure to provide me with written notice within five days of your initial communication, as required by 12 CFR 1006.34 ( b ) ( 5 ), is a clear violation of the law. Additionally, your failure to cease collection efforts until you have provided sufficient validation of the debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further demonstrates your disregard for consumer rights. Moreover, your company has failed to provide accurate and complete information to the credit reporting agencies, as outlined in 12 CFR 1006.34 ( d ). The inaccurate reporting of this debt has had a detrimental impact on my credit score and financial well-being. Therefore, I demand that you : Cease all collection activities on the disputed debt until you have provided adequate verification as required by law. Provide me with detailed documentation validating the debt in question, including the original creditor 's name, the amount owed, purchase agreement between the original creditor and you, also requesting to furnish proof to be licensed and bonded and any relevant account statements. Correct any inaccuracies in the information you have reported to the credit reporting agencies and provide me with written confirmation of these corrections.
Product: Student loan

Background : I have been making ontime payments every month since XXXX to my student loan lender Sallie Mae, When they sold my loans to Navient I have made payments every month on time since. I make over XXXX $ payments every month! ( I also have XXXX kids, a mortgage, and 2 car payments ) I first went to school in XXXX, I left in XXXX. I went back to school in XXXX and graduated in XXXX. 

I called Navient shortly after I graduated to set up payment options. They would not let me put my loans in forbearance. They would not let me consolidate them or try to get a fixed interest rate. The most they would let me do is set up a payment schedule, so I set up a 10 year repayment plan. 

I have been following up every other month or so to make sure my loans are still on track. I checked yesterday and it appears that my two biggest loans in the amount of ... 

{$20000.00} had an increased interest rate, it used to be under 10 % now it is 10.375 % also, my loan of, {$17000.00} had an increased interest rate, it used to be under 10 % now it is 11.25 %!! 
( my total loans are over XXXX $ federal and private ) I called Navient today to figure out why, and also how they expect me to pay these off if they keep raising my interest rate but the office is 'temporarily closed '. 

I logged on to XXXX to see if anyone else had this issue and I found out the CFPB has filed a lawsuit with Navient and I didn't know. I live in Washington ( XXXX ), and have for 20+ years. This is one of the states that have filed the lawsuit and I would like to get more information please. I do feel that I have been wronged and have made every effort to make payments to get out from under this burden.
Product: Checking or savings account

Dear Sir Or Madam, I tried to open a Cap italOne 360 checking account about eight m onth ago.   My application was rejected because of an unclear verification issue.   In spite of my com plaint No.  :  XXXX  by CFPB, a transparent verification procedure was not provided and a CapitalO ne 360 checkin g account was not opened.     However, I receive
d a CapitalOne   offer to apply for a credit card about one week ago.
Could you explain why CapitalOne   fi
rst rejected my application for a simple checking account and then offers me to apply for a credit card?
Product: Debt collection

HI my name is XXXX XXXX and i been disputing Jefferson Capital from my credit report for months and months. im finally reporting them to cfpb and the XXXX and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to access my Equifax credit score, the webpage comes up with an error and to contact Equifax Customer service with the code " XXXX ''. I have contacted them multiple times over the past 2 years and state they will get it fixed within 10 days. 10 days comes and goes and nothing gets done. I have been denied credit because the report that was pulled comes from Equifax and there is no data.
Product: Mortgage

My insurance Agent in XXXX paid the insurance on this property and also Fay Servicing Paid the insurance as well. I have been charged twice for insurance.
Product: Vehicle loan or lease

I recently purchased a used car, which was financed through Westlake Financial Services. When I signed up for online account access, I thoroughly read through all terms & conditions, the online user access agreement, and privacy disclosures. It was my desire to ensure that I did not miss any payments, so I elected to sign up for auto-draft using my checking account at my local credit union. 

When filling out my information, I carefully read through the ACH agreement before submitting my information. After submitting my information, I was notified via email that I had successfully signed up for auto-draft payments. 

To note, my Payment date is the XXXX of every month, with the first payment being due on XX/XX/XXXX. I enrolled in auto-payments on XX/XX/XXXX. 

Weslake Financial proceeded however to initiate two Electronic ACH transactions. one correctly dated on the XXXX of XXXX, and an additional ACH transaction again on the XXXX. 

To be clear : this is unauthorized by me, the account owner. None of the online agreements include any such mention of multiple ACH drafts being initiated by signing up for Automatic Payments. Additionally, I only receieved confirmation of one ACH transaction, dated XX/XX/XXXX. 

When I called to have the second debit reversed, they tried to claim, erroneously, that I had aggreed to submit the addional transaction. This however is nonsensical, especially given the date when both ACH transactions appeared. Regardless of ordering, the submital of a single payment would have rendered the " Amount Due '' on the Account {$0.00}. 

Additionally, using their online account access, if one tries to submit a payment after they have signed up for automatic payments, it displays a warning on screen that their is already an automatic payment pending. This demonstrates knowledge that I had only intended to submit a single payment, and thus the intent to cause financial harm. 

I have uploaded all emails from this company to show that they knowingly initiated additional transactions without my consent.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXXXXXX
Product: Mortgage

ON THE ADVICE OF MY ATTORNEY, I AM FILING ANOTHER COMPLAINT REGARDING THE SERVICING OF MY LOAN. IT APPEARS THAT SPSERVICING IS STATING THAT I DID NOT MAKE MY XXXX PAYMENT, HOWEVER ON XX/XX/XXXX THEY RESPONDED TO YOU THAT MY LOAN WAS CURRENT AND ONLY DUE FOR THE XX/XX/XXXX PAYMENT. THEY ALSO CLAIMED THAT THEY WOULD FIX MY CREDIT AND ALSO APOLOGIZED FOR ANY INCONVIENCE THEY CAUSED ME IN THE YEAR OF XXXX. HERE I AM AGAIN TRYING TO GET SOME HELP TO GET MY MORTGAGE AND CREDIT FIXED. WHEN I CALL, I AM TOLD THAT MY XX/XX/XXXX PAYMENT WAS NOT MADE. I WAS ALSO TOLD THAT SPSERVICING HAS BEEN REPORTING ME A ROLLING 30 DAY LATE ON MY CREDIT REPORT. I AM ALSO FILING A WRITTEN COMPLAINT AND SENDING IT DIRECT TO MY HUD OFFICE. I HAVE NUMEROUS COMPLAINTS ON FILE AGAINST THIS SERVICER. I AM ATTACHING PROOF THAT MY XX/XX/XXXX PAYMENT HAS BEEN MADE AND THAT MY XX/XX/XXXX PAYMENT HAS ALSO BEEN MADE. PLEASE REFERENCE XXXX TO BETTER UNDERSTAND WHY I AM FILING THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my personal information was used to purchase a vehicle without my permission. I have made several attempts to dispute this matter with the three major credit bureau, XXXX and XXXX has assisted me in correcting this issues. Experian on the other hand has refused to assist me with this issues. The person who use my information without my permission have written and signed a statement admitting using my information to obtain a loan with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were granted a loan modification ( short sale ) on XXXX XXXX, 2020. I lost my job due to coronavirus, and thankfully we found a short sale buyer. Despite having always paid our mortgage on time, we were told that we had to be 30 days late in order to close. After closing, Mutual of Omaha reported our 30 day late status to all 3 bureaus. This should never have happened because our loan modification occurred during the time of the CARES act enforcement and our payments were current prior to the modification. 

I first disputed this with Mutual of Omaha on XX/XX/XXXX, and they responded to me with the attached email of XX/XX/XXXX in which they refuse to report my account as current to the credit bureaus. When I did not hear from Mutual of Omaha after a month, I decided to dispute with the three credit bureaus. Both XXXX  and XXXX  removed the late month from the payment history, but continue to show a 30 days late indicator, which seriously impacts both my and my husband 's credit rating. XXXX  did not change the report at all.
Product: Debt collection

Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.
Product: Student loan

On XXXX XXXX, University XXXX XXXX has refunded and returned {$6700.00} back as I withdrew from taking Fall 2023 classes. This withdrawal was 100 % refundable as I was within the deadline. Its been 6 weeks now, and that amount {$6700.00} has not been posted or deducted by Dept of Education or Ed Financial from my student loan balance. Everyday the interest rate is increasing from a student balance thats not updated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing Experian with proper documentation and requesting the original documents bearing my wet ink signature, Experian has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to Experian around XXXX of 2024, in response to which Experian only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported Experian and XXXX XXXX XXXX data breaches. 

This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within XXXX business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

Experians refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against Experian for inadequate dispute investigations. 

I am requesting that Experian remove these inaccuracies from my credit report immediatelyno later than XXXX business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in Experians practices.

Failure to address these inaccuracies promptly reflects poorly on Experians adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.
Product: Debt collection

Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XXXX