23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Mosaic bank granted me a loan for purchase of windows and install through XXXX by XXXX back in XX/XX/XXXX. 

I had the payment set up by auto pay, payment number 2 ( dueXX/XX/XXXX) was processed on XX/XX/XXXXProblem that occurred was that Mosaic bank took XXXX payments of {XXXX}, my bank showing the same date for both charges. 

I in turn called Mosaic on that same date of charges taken to request refund of XXXX charge of {$XXXX}. The customer representative I spoke to told me that someone made a payment online and the other was through autopay. I then told him, that was not correct because I set up the account for autopay and I was out of town on XX/XX/XXXX. He offered me XXXX options : 1. Apply credit to XX/XX/XXXX balance due on XX/XX/XXXX XXXX. To refund money back to my account. 
I told him " No '' I need that money back in my account ASAP to pay another loan I had scheduled for the month of XXXX. He then told me " I will have the correct department refund your money back to you. Since the XXXX of XXXX, I have been looking for that refund - NOTHING YET! I called XXXX XX/XX/XXXX, AGAIN they tell me the same thing about a payment being made online by someone on the XXXX of XXXX. I told them that information was incorrect and to return my {$XXXX} right away! I requested to speak to a manager - I had to wait for a manager to contact me on my mobile. I received the call, explained the situation- she told me I had to wait 15 days for Mosaic to return my money. I went on to tell her that they were thieves for doing what they did, and also for lying! They literally put words in my mouth in regard to the payment made online. For their ERROR, I have to wait 15 days to see my money returned to the bank. Is their a repercussion for this bank doing this? What can be done?
Product: Debt collection

LVNV FUNDING, INC and their attorney got a judgment which is the result of identity theft and it was uncollectible because it was past the statute of limitation. A relative took out a credit card in my name. I paid it about ten years ago by phone and thought that was the end of it. LVNV through their lawyers, XXXX XXXX in XXXX XXXX got a judgment although they knew the debt was old and uncollectible. of course, the Judge took their side because that's what a corruptible judicial system does. I tried to tell them it wasn't my debt and besides that it had been paid by them collecting a payment more than a decade ago. i also had someone tell the Judge that I had an email that stated that the email was too old. I do not owe LVNV anything and I do not see how they can collect on this debt. The collection attorneys they have are the worse. Not only that, they are well connected, getting judgements on people everyday. You need to investigate them and their antics for the sake of hard working consumers like me who are being railroaded by big corporations who buy old debts for pennies on the dollar. it's unfair for me to be a victim of identity theft, pay the bill and then get a judgment against me for an zombie debt. It is so unfair I am crying all the time about this because there are people out there who are just horrible people and take advantage cause they can. I do not have any more money to pay lawyers but I will not give up because I do not owe this and I can not let them win
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. 8:25-cv-00024 ) on XX/XX/XXXX, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXXXXXX XXXX XXXX - Fraudulent Account XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers.

Relying uncritically on furnishers responses, even when they are illogical or inconsistent.

Sending consumers misleading or unclear results regarding dispute investigations.

Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers.

Provide me with a written statement detailing whether the disputed information has been corrected or deleted.

Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report.

Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, XXXX XXXX
Product: Debt collection

This debt collector never provided me with information or documentation that they had obtained the alleged debt owed, which is in violation of the fair debt collection practices Act. Since XX/XX/2019, I have requested validation of the debt that I allegedly owe directly with the collector and submitted a documented dispute that the alleged debt is not valid. I have also disputed the debt on the credit reports to each of the three major credit reporting bureaus. This company has refused to respond to the validation request and yet continues to attempt to collect the debt. Even with the multiple disputes and failure to provide validation, the collection agency still has not placed a note on the account on any of the credit reports provided by the credit reporting bureaus nor have they removed the alleged debt from my credit reports. They are in violation of the Fair Debt collection practices Act and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a loan in XX/XX/2016 from Honor finance. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it Honor finances warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by Westlake portfolio they unexpectedly readjusted the terms set by Honor finance. Westlake portfolio forced me to.pay the deferred payments plus penalties in addition Westlake portfolio removed Honor finance from all three credit bureaus I called Westlake portfolio to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Product: Credit reporting or other personal consumer reports

" I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

The following hard pull inquiries were not removed from my account despite repeated requests by mail and phone : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

A amex credit card is on my credit report utilizing XXXX in credit. I have had amex accounts in the past but they are all 100 % closed confirmed by them. But this has shown on my credit despite at least XXXX disputes with equifax
Product: Credit reporting or other personal consumer reports

A report called " Early Warning '' was brought to my attention recently. After printing out my report, I realized that every single transaction from every account I have with XXXX XXXX XXXX XXXX has been and continues to be illegally shared with unauthorized third parties without my knowledge and without my consent. I have sent notices to the legal team at XXXX, and the response I received had nothing to do with the several Privacy Act violations of which i was concerned about. Each transaction that has been shared illegally violates the Privacy Act and carries a fine of {$1000.00} for each illegally shared transaction.
Product: Mortgage

I am being harassed and threatened by Shellpoint Mortgage Servicing. 
Pursuant to the XXXX suit between investors, XXXX XXXX XXXX and XXXX XXXX XXXX, Shellpoint is XXXX of the approved servicers for XXXX. 
I have no outstanding mortgage with any entity mentioned herein yetShellpoint continues to send me threatening letter to foreclose on myproperty unless I pay them money. I owe them nothing. They areviolating numerous laws by threating to take a legal action they cannotlegally take. I have made numerous demands for Shellpoint to stop theirattempts to collect a debt that is not due and to stop contacting me, yetthey continue with their predatory, misleading statements, false claims, anddeceptive acts and practices. Seven years into the greatest financialcrime ever perpetrate in the annals of the world and this behaviorcontinues unabated. Moreover, I never contracted with any party namedherein and no party ever perfected a lien prior to my 2008 Ch. XXXXbankruptcy. 
Kindly stop these XXXX of old from harassing me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Us dept of EDU/XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX Report -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Again, Wells Fargo has totally missed the problem and the nature of the complaint. I have settled the dispute with XXXX XXXX XXXX XXXX and they have issued a refund for the defective furniture that they admitted was delivered in poor condition. The problem is with Wells Fargo accepting fraud. 

When XXXX XXXX XXXX gave you the delivery receipt they stated I signed, I told you it was a no contact delivery and I did not sign anything that day. You had me send over a copy of my signature, which you already have on file, to verify it was not my signature. The local Wells Fargo also verified it was not my signature ... but you, having no regard for a previously loyal customer, decided to accept it anyway. WHY? 

You did not do the right thing by your customer and this will not stop until you answer that question. Do not blame this on XXXX XXXX or XXXX ... this is an internal Wells Fargo problem of total lack of regard for doing the correct thing. Fraud is not ok ... .and a bank accepting it is worse.
Product: Debt collection

This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.
Product: Checking or savings account

Good evening, the entire month of XXXX, Ive made multiple payments to bills and transactions. I pulled out money from my check to cover the funds but checks were being withheld. Purchase I made and went through were process and money was taken out and put back in. I again took out money from my check to cover my car other transactions in the middle of XXXX and my purchases were made and processed. When I checked back I received overdraft fees, insufficient funds and the funds being taken out again after they were being processed. I made a car payment when I received my full check the week after. And when I made my payments after receiving a notification of a deposit into my bank account of XXXX dollars. They withheld my check and my account was brought down to XXXX dollars the following XXXX days. When contacting Wells Fargo their representative reassured me I was not going to fall under any withdrawals nor do I have to worry about insufficient fund notifications. The days following I went into overdraft fees and insufficient funds once again. When contacting them again they told me that no, the representative had miscalculated. I explained that this couldnt have happened because I also calculated the purchases then she began to tried to explain charges that were brought up in the previous conversation as still being processed I explained to them that no those purchases were already in the previous conversation. She also told me I went negative because of a transaction that was already taken out of my account for XXXX today I got a notification that I had a charge for XXXX and the funds were insufficient, i put in money to cover the overdraft fees that I had occurred but still got this notification. I told them Im being charged double my purchase and 30 % more of my purchases because they are constantly over drafting me on purpose and they explained that this wasnt the case. I also told her that XXXX dollars were transferred from my credit card to my bank account to pay for these overdraft fees but the bank still double charges the purchases today the XXXX was charged for insufficient funds purchase was made XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In 2023, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.
Product: Student loan

I just found out a couple days ago i had a judgement lien put on my home in XX/XX/2010 from a judgement that was settled in XXXX for student loans. I only make XXXX a month and behind over XXXX on my HOA. I am XXXX my home is in bad shape and upside down on it i would have to pay XXXX to get me out of this home. Although with this judgement lien my payment goes up to XXXX or more I wanted to move into a safer home with friend but i can not do it with the judgement lien. Why do i have a lien on my home from XXXX XXXX XXXX attorney for a judgement creditor. My credit is in excellent condition XXXX with XXXX  XXXX XXXX and XXXX XXXX. Is this a valid lien this already went to courts and the judge made a ruling on it the judgement dropped off my credit report years ago. I have filed for a XXXX discharge pertaining to my student loans yesterday if excepted will this help my student loan judgement lien disappear. 
Sincerely, XXXX XXXX
Product: Student loan

I switched from XXXX to FedLoans in XX/XX/XXXX. I was told to make regular payments during the transition to avoid any delay in payment. During that time I was put on an administrative forbearance that spanned two payment cycles ( XX/XX/XXXX-XX/XX/XXXX, XXXX ). This was a forbearance that I was not made aware of until XX/XX/XXXX when I realized my PSLF qualifying payment count was wrong and that I was in pay ahead status. In the past, when I needed to go on forbearance ( with XXXX ) I was given paperwork stating I was in forbearance, but I never received such paperwork from FedLoans. I called FedLoans multiple times and spoke to multiple managers regarding this. They offered to shorted my administrative forbearance in order to make my XX/XX/XXXX payment would count. I received multiple letters stating my administrative forbearance period was changed. 

My questions are : If my administrative forbearance was shortened, why did my XX/XX/XXXX payment not count towards my total qualifying payments? If this was not the proper solution to my issue, why did a FedLoans Manager offer to do such and state that this should fix the problem? 
Why was I put on an administrative forbearance but told to make payments during that time? Why did FedLoans collect over {$6000.00} in capitalized interest on a forbearance that I did not want? Why do I not have paperwork agreeing to this forbearance or stating the forbearance period ( prior to XX/XX/XXXX )? 
Why arent borrowers informed that any payment made during a forbearance period would not count towards your qualifying payments in PSLF? If they are informed of this ; was this a policy that was in place in XX/XX/XXXX ( when I was put in forbearance )? 

Thank you.