23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the SAVE repayment plan in XXXX on studentaid.gov, and was told that I was approved for XXXX XXXX monthly payments within a few days. My loan service provider, Nelnet, did not process this on their end, and their website showed that my monthly payment amount was to be XXXX XXXX. I emailed them and asked why my repayment plan did not process on their end. They said I had to submit proof of income, which I did. They then emailed me on XX/XX/XXXX stating my payments would be {$0.00} for the next year. Yesterday, XX/XX/XXXX, I received an email stating that I am past due XXXX XXXXXXXX. I called them today, XX/XX/XXXX, and explained that my payments were to be {$0.00}, as stated in the email they sent me, and according to the information on studentaid.gov. They stated that a couple of my loans weren't processed on SAVE, so they would put me on forbearance until XXXX while they process. I asked what I can do, and they said to just call back and check in a month. 
How is this fair? I am accruing interest on something that should not be accruing, I am told to call back in a month and see if it has processed, and I've been dealing with this since XXXX?? Additionally, they take hours to reach by phone and weeks to reach by email. Truly a terrible company.
Product: Debt collection

Midland Funding is a debt collector who claimed that I owed {$2300.00} from XXXX XXXX. This debt is still listed as a collection after they stopped hitting my credit after I disputed it in XXXX of 2019. I need documentation of this debt from the original creditor which I haven't received. Also, they are a debt collector based out of Michigan which has not obtained a surety bond in the state of Texas. Therefore, they can not attempt to collect a debt within Texas.
Product: Debt collection

I do not owe this company nor have I signed or agreed to anything with this Stallings Financial. Moreover, this was placed on my credit report and removed but they waited for a period of time and simply replace it back onto my credit report again.
Product: Checking or savings account

I reported fraudulent charges from my debit card to Wells Fargo on XX/XX/2023. A week later I receive a letter in the mail stating that the charges were made by me or someone I know so they are reversing the preliminary credit to my account which was just under {$100.00}. While this amount is not huge, I still believe Wells Fargo is not upholding its duty of XXXX fraud liability. I did not make these charges nor did anyone else that I know. My card was in my possession and a hacker somehow was able to obtain the information from it. This is terrible business practices and they will lose a long time customer over this unless fixed.
Product: Debt collection

On XXXX/XXXX/2016 I proceeded to pay my online bill to American Medical Collection Agency located in XXXX NY. Since I am unemployed I sent up arrangement to pay {$20.00} monthly.as it stands I had a balance of {$650.00}. I paid {$20.00} which was the agreed upon amount that I set up with this collection agency. When I checked my bank statement on XXXX/XXXX/2016 this agency took the whole amount of {$650.00} from my checking account. My confirmation for paying the {$20.00} was XXXX. What sickens me is that I never received an email stating that my {$20.00} was accepted. This is fraud in the highest degree and consumers must be aware .i am requesting the this collection agency refund what is owed to me.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Dispute for the following Collection/Negative Accounts Reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to express my serious concern regarding the collection/negative accounts listed on my credit report under the account numbers listed above. I have meticulously reviewed my credit history and found discrepancies that demand immediate attention and correction. 

It has come to my attention that the information reported by your agency in accordance with the Metro2 format is inaccurate and inconsistent with my records. The accounts, as reported by Experian, do not reflect the accurate nature of the debt or my efforts to resolve it. 

I would like to point out that I have made multiple attempts to communicate with the creditor, and there have been documented instances of communication to resolve this matter. Unfortunately, the information furnished by your agency does not accurately represent these efforts. 

I kindly request a thorough investigation into this matter and prompt correction of the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I am entitled to an accurate and up-to-date credit report. I trust that you will conduct a fair and impartial investigation to ensure the accuracy of my credit information. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the steps taken to rectify this situation. Your cooperation in resolving this dispute is crucial in maintaining the integrity of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The following account needs to be removed immediately, as the accuracy of the account is incorrect : National Credit Adjusters, account number XXXX, balance {$3300.00}. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. Their monthly updates on an account that has received no contract with me for payment is against Federal Law. If you are unable to verify the account with the original contract, the information should be removed within 30 days.
Product: Debt collection

RentDebt has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Credit Bureau Name TransUnion, XXXX, XXXX Subject : Dispute of Incorrect Reporting by a Bankrupt Creditor Dear TransUnion, XXXX, XXXX I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : XXXX XXXX Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX XXXX  is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. According to the FCRA, you have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Checking or savings account

XXXX XXXX of Citizens Bank is in my opinion presiding over yet again another incompetent, terrible graphics, and now theft/diversion of more than {$8000.00} that we have credit card swiped from our law firm clients since at least XX/XX/2022 which has still not yet hit out checking account at Citizens Bank XXXX To make matters worse we have been sending him queries/complaints for a week now and he does not even respond to us. We need our money now, urgently, for employee payroll, rent, insurance, bills, and other exigent costs of doing small business. We have had many problems with XXXX XXXX ( aka XXXX before, check your records/our previous complaints as they might be illegally and further retaliating against us for filing bona fide and legitimate previous complaints ). Not only this, but we are also locked out of our accessmyiq.com account so we can not even look at our credit card data and reports for weeks, and they ( XXXX ) will not respond to us, either. Please urgently investigate, assist, and advise.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Dear XXXX XXXX, I am writing to address a concerning issue regarding my credit profile. Your company has continuously reported multiple accounts to XXXX credit services, which are reflecting delinquencies. However, these delinquencies were due to identity theft, and despite being made aware of this, the accounts have not been adjusted accordingly. As a result, they have been closed without any adjustment. I kindly request that you take immediate action in removing these accounts from the credit profile of XXXX XXXX XXXX to avoid any potential legal consequences. Your prompt attention to this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX* Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$730.00} , XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX Balance : {$2500.00}, XXXX  XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/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 XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$730.00}, XXXX  XXXX Balance : {$640.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX  XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$730.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX 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
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 XXXX XXXX XXXX : Account Name : XXXX XXXXXXXX Acct Number : XXXX, Account Name : XXXX XXXX, XXXX Acct Number : # # # # # # XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXXXXXX XXXX Acct Number : XXXX, Account Name : XXXX Acct XXXX : XXXX, Account Name : XXXX XXXXXXXX XXXX Number : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : # # # # # # # # # # # # # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Mortgage

Complaint # 1 I changed my home insurance to XXXX XXXX in XX/XX/2021. My agent notified me all insurance information was updated. In XXXX, I received a letter from Huntington Bank indicating they did not have insurance information. I went online to https : XXXX and completed the information and uploaded a copy of the insurance document. I received another letter on XX/XX/XXXX. Again I went online and updated and uploaded my information. 
Now, on XX/XX/XXXX, I received a letter from Huntington Bank indicating they are charging me for home insurance because they did not receive a response. 
I went online again today for the 3rd time and uploaded my insurance information. the site specifically says if there is a problem, I would be notified by email. I have never been notified of a problem. 

Complaint # 2 Huntington Bank decided to increase my monthly mortgage payment by almost {$300.00} per month. I received no prior notification this would happen, or an explanation as to why it happened. 

Complaint # 3 TCF Bank had predatory collection practices. I became delinquent for one month and was unable to catch up that payment. My husband had many XXXX XXXX and passed away because of them. I had asked TCF for a one month forbearance to allow the payment to be skipped. They denied me and continued to charge me late charges every month. I was finally able to get caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX  updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the XXXX XXXX Experian and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, my mortgage lender discovered an open dispute on my credit report. It was a dispute on my Auto Loan. I have not disputed this account at all in the past. Equifax corrected the error and removed the dispute however that action dropped me credit score 24 points. Equifax is unable to explain why the drop in score happened AND their systems have been down for days, unable to access any accounts. I called a 4th time to remedy and the people over in XXXX are unable to access my account due to the information I've given being inconsistent. I should not be penalized for their mistake.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX American Express XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a woman owned small business ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise