23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.

Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.

They continue to contact 3rd parties, harass. 
here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX   XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.

I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.

You may REASONABLY communicate with me in WRITING only! 
I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. 
This will additionally show yet another attempt at mitigating the damages for the above cited concerns. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Inquires Accounts : XX/XX/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 Collections Accounts : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had unauthorized transaction on my account. I needed to pay a bill and I called and let them know my card was lost and they asked me what my last transaction was on my account. I told them I paid XXXX XXXX bill. They informed me that there was multiple transactions on my account and started the dispute process. Only half of the transaction was credited back to my account and the other half was denied. The other charges started on XX/XX/year> the amount of those charges are XXXX, XXXX, and XXXX. Then the other charges on XX/XX/year> are XXXX, XXXX. Totaling of XXXX that was not credit back. I was never given an explanation and they also closed my account stating that it is to prevent other fraudulent transactions.
Product: Debt collection

I contacted this company a while back and told them that I did not know anything about this account. I was told that they would investigate this matter and get back with me. I was informed about anything that resulted from the supposed to been investigation. Recently, I received a bill from this company which is a collection company. I expect XXXX to do what they are supposed to do. There is no reason I should be getting a collection notice from a third party when XXXX has not contacted me.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX  {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with XXXX, EQUIFAX, AND XXXX. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXXCharge / XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Bankruptcy Case Number : XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 13 XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX {$1500.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my Experian credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.
Product: Checking or savings account

I switched to credit karma money account from XXXX XXXX XXXXXXXX, a week later it was posted that my account has been frozen for my safety, I called and ask what was going on with my account they told me it wasnt a reason why but alert showed but they didnt know what it was, they asked for information and I sent them to it, they ask for the bank statement but I closed my account soon as I received my military XXXX XXXX XXXX XXXX and it was closed and I called XXXX XXXX  XXXX and it was nothing I could do, so my account is froze with still proving information that they still wanted. I just a want my account unlocked so I can use it
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

XXXX is reporting a late payment XX/XX/year> XXXX XX/XX/year> and Equifax XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( Original Creditor : ) XXXX Balance : {$590.00}
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid the account in full and we were advised the accounts would be removed from our credit bureaus. On XX/XX/XXXX we paid the account in full totaling {$640.00}. It has been removed from XXXX but not from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is fraud. It's in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investgation along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to PAID/NEVER Late and send me a copy of my updated credit report. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX never any days Late XX/XX/XXXX This account is showing that I was 30 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months XXXX XXXX XXXX Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months therefore all reported deliquency needs to be updated and all lates be removed immediatley. This is a clear FCRA violation and a violation of my rights I need these accounts to report paid as agreed never late. I have provided copy of my most credit report that I received. Please update immediately because this is effecting and harming my opportunity to make home purchase.
Product: Checking or savings account

yes I called because I was working and I was going to my house and letting them now that my account was overdraft but I received a email from the institution telling me that they where given me a extra grace day and that I could make the deposit the next day the next day I found that they charge me XXXX dollars and not finish the day they charge me another XXXX dollars again contact them to explain and looking for answers and to solve the problem was a hard time.
Product: Checking or savings account

" " XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} '' ''. 
" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} '' '' " '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$190.00} '' '' I was contacted by a BMO banker from the XXXX XXXX  office who advised that BMO mistakenly debited my account on ( XXXX ) different transactions totaling {$5800.00}. She advised that BMO had bought another bank with duplicate account numbers. That is my BMO account number, and the other bank client with the same account number. The banking client with my account number never updated their new account number with the IRS, XXXX  XXXX, and XXXX XXXX XXXX ; thus, the money was taken from my account. BMO credited back ( XXXX ) of the debits totaling {$4800.00} on XX/XX/XXXX but has yet to credit the ( 3 ) remaining debits totaling {$970.00} as of XX/XX/XXXX. I again spoke to ( 2 ) BMO representatives from their resolution team today, but they had no information on the ( 3 ) remaining items below. To add context to locations, XXXX, XXXX, is ( XXXX ) miles from where I live. I have not been able to confirm whether or not the other bank client has updated their banking information with XXXX XXXX XXXX in their tax software, so now I have to change my bank account. Which BMO bank should have done from day one! 

BELOW ARE THE ( 3 ) TRANSACTION BMO HAS NOT YET CREDITED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX SALE {$190.00} ( the tax preparer for the other bank client in XXXXXXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" '' XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXv pay {$200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Issue # 1-Freedom Mortgage-I have always mailed my payments on the XXXXarrive by XXXX..In XXXX the same thing, mailed on XXXX..I went online and saw that it never was applied, on XXXX XXXX I paid online plus the late charge. They eventually found the lost payment and applied it too my account on XX/XX/XXXX. would like to get reimbursed for late charge. 
Issue # 2-XXXX I mailed in {$1500.00}, normal payments $ XXXX.They cashed on XX/XX/XXXX. 
I have made 3+ phone calls to customer service/supervisors, plus emails. Not one could show me it was applied and an extra {$310.00} applied to Principal..They just said I will send you the account history going back to XX/XX/XXXX which I have enclosed. I called back to customer service, and mentioned that I am all good until XXXX XXXX. But after you sent account history and all your addition and subtractions to my account, I don't see the {$1500.00} applied, and I only see 1 full payment applied since XX/XX/XXXX ( when you subtract everything out ) and I have made 4 full payments..After an hour she could not figure it out, went to a supervisor, we got cut off after waiting 15+ min. I called back talked to another person which I didn't want to explain for another hour, told the other lady to please call me back, and she never did. Very frustrating and here is where we are!
Product: Checking or savings account

XX/XX/XXXX I disputed {$4400.00} that had been stolen from my bank account through someones XXXX XXXX account through Wells Fargo. They denied it even though it was clearly fraud. The fraud occurred on XX/XX/XXXX