23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting or other personal consumer reports

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

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Received Barclay 's XXXX XXXX XXXX co-brand Mastercard and Barclays only provided 2 options to activate the card either through website or mobile app. I am an XXXX XXXX XXXX citizen who is not digitally enabled and could not activate the card. The telephone customer service number was not accepting any phone calls and hanging up once pre-recorded message was offered. The company assessed an annual {$99.00} fee without the card being activated or without me being able to use or activate the card. I was finally able to activate the card in the middle of XXXX with the help of my grand daughter. The site to activate the card also did not work to verify the credentials. After weeks of calling we finally were able to get someone to assist us. This is not only a horrible customer experience, but their mechanism to service older customers who are not digitally enabled leaves us behind.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Experian, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by Experian. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).

Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX XXXX XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against Experian ( Case Number : XXXX ), Experian has been found to violate its obligations under the FCRA and CFPA in multiple ways, including but not limited to : 1. Failing to conduct reasonable reinvestigations of consumer disputes as required by 15 U.S.C. 1681i.

2. Failing to forward all relevant dispute information and documentation to furnishers.

3. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes.

4. Failing to ensure maximum possible accuracy of information in consumer reports, as required under 15 U.S.C. 1681e ( b ).

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) XXXX XXXX, XXXX ( Balance : $ XXXX ) Under the FCRA, Experian is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt.

- Notify the furnisher of the information and provide them with all relevant dispute documentation.

- Correct or delete any inaccurate, incomplete, or unverifiable information.

In addition, I request that Experian comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If Experian fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA. 

CFPB, I request that your office investigate Experians handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for your prompt attention to this matter
Product: Student loan

Over the past seven years, I have diligently repaid my federal Direct Subsidized and Unsubsidized student loans each month. I have never missed a payment. I have stayed in good contact with my service provider. I have never deferred or been in forbearance. When I can, I pay more than what I owe each month in a sisyphean attempt to repay my loans faster. 

In those seven years, my service provider has changed at least three times. Currently, both of my loans are serviced by Navient. 

At every turn, Navient has been unhelpful, rude, cruel and has made it as hard as possible to make payments, to reach them, to ask simple questions and to get crucial information about my loans. Currently, they refuse to accept a payment via debit card, over the phone or on their website. The flimsy reason they offer is that my account does not have an outstanding balance, though I should be able to repay my loans at any time and in any amount, regardless of what is outstanding. I should never be punished for making payments on time every month. They also refuse to allow me to apply my overpayment directly to the principal balance, or to XXXX loan specifically, as is my right. It feels illegal, icky and wrong. 

In light of the lawsuit filed on XXXX XXXX, 2017 by the Consumer Financial Protection Bureau for " failing borrowers at every turn, '' I would like to share my experience in the hope that it strengthens your suit against this vile company, who feeds off the misfortune and ignorance of XXXX 's educated young people. I will call your attention, specifically, to this paragraph from the press release regarding your lawsuit : " [ Navient ] Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrower 's payment and follow instructions from the borrower about how to apply it across their multiple loans. Navient repeatedly misapplies or misallocates payments -- often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company. '' I am XXXX of the borrowers they have failed in this regard and I want out. Immediately. I want them to be held responsible for failing me and others like me and I want my loans serviced by a company that does not prey upon its customers like lions on weakened gazelle. 

Given the atrocious level of service provided, the pending CFPB lawsuit, the current-good standing of my loan status and my impeccable credit score, I have formally requested to change service providers through the Ombudsman of the Department of Education. Though, I 'm sure there will be a XXXX reasons why I do not have the right to make that choice. 

Please take Navient to court and represent all of us.
Product: Debt collection

The collection agency keeps referring to 15 U.S.C. Section 1692g of the Fair Debt Collection Practice Act, but according to 15 U.S.C. Section 1692e of the Fair Debt Collection Practice Act referencing false representation. Subsections 5, 8, and 14 reference 1 ) a threat to pursue a debt collection that you do not intend to, and can not collect, 2 ) continuing to report disputed information that you have not provided any clarification of your claim of a wholly owned subsidiary, and XXXX ) using a name other than the debt collector. I have repeatedly asked for clarification of all these different names and have not received anything except a letter from the original debtor that does not list this collector as owning the debt. JHPDE is not listed anywhere as owner of this debt. I again ask for proof of a wholly owned subsidiary. 

XXXX didn't name JHPDE Financial 1, LLC anywhere in any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up for a prior case for CFPB XXXX. I am providing my credit report and the last four digits of my social security number. 

XXXX Inquiry 2 Inquiry Date - XX/XX/XXXX Creditor Name- SYNCB I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX of XXXX for a travel/entertainment card. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law, etc are TOO expensive. Can’t even afford to check my score every day.
Product: Credit reporting or other personal consumer reports

Leased car financed by JPMCB Auto. Paid as agreed for duration of original lease agreement and COVID extension. Paid as agreed for duration of previous lease with company. Paid as agreed for complete loan following my decision to purchase vehicle from company. At issue is a window of time in which the company miscommunication contract terms, continuously, when I had exercised my option to purchase. This includes a signed contract I returned. Company is steadfastly refusing to remove charge off status from account despite its own many errors and my next efforts to resolve without legal action. I am requesting to file complaint under the Fair Credit Reporting Act as they have refused to provide me my file, contracts, and phone call recordings to validate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on [ date ]. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Date opened : XX/XX/2022 Balance : {$2900.00}. Please delete.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX We started a short sale with Loan Depot on XX/XX/19. After having to send them the short sale package multiple times, Loan Depot has come up with a list of items that are laughable. 

They are demanding a notarized copy of the broker 's license for the listing agent. This is one of the most absurd requests I have ever gotten having done over XXXX short sales in the last 12 years. The XXXX website has a complete and updated list of all licensees, and is free to anyone to look up. The XXXX no longer gives out a hard copy of a license. What does Loan Depot want exactly??? There is NOTHING to notarize. What do they want a statement saying I printed this off the internet??? 

Ridiculous. On to the next problem Apparently LoanDepot doesnt like the way the XXXX XXXX gives out their military orders. They have demanded the XXXX XXXX sign the orders that the homeowner printed off the internet SERIOUSLY? It was explicitly stated in the hardship letter that the short sale is being requested due to a military transfer AND- a copy of the military orders were sent to LoanDepot multiple times. Does the XXXX XXXX know LoanDepot is treating their servicemen and women like this? 

Since LoanDepot has only recently come into servicing loans in a short sale situation, we have seen disturbing trends in their document requests. These are happening on EVERY SINGLE FILE WE HAVE WITH LOANDEPOT. It is  apparent to me that they are currently exceptionally unqualified to be in this industry. They do not have any knowledge of Californias Bills, Laws and Statutes, and this is required if they are going to do business in the State of California. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are not able to perform according to California State Law, then they need to be banned from doing business in California. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman 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. 

XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$5.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$1100.00} XXXX XXXX XXXXXXXX account XXXX : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXXXXXX account # : XXXX XXXX Amount {$2200.00} XXXX XXXX XXXX account # : XXXX XXXX Amount {$3600.00} XXXX XXXX XXXX XXXX XXXX Amount {$1100.00} 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: Mortgage

On XX/XX/XXXX A letter was sent by Carrington XXXX Mortgage stating they are holding {$670.00} in overpayment from a loan that was closed out in XX/XX/XXXX. I completed the paperwork required to have a check sent to me on XX/XX/XXXX and did not get a response. I reached out by phone roughly XXXX weeks later ( XX/XX/XXXX ) and was told they would have someone respond to me. A week later on XX/XX/XXXX I reached out again and was told again i would hear back from someone within XXXX hours. I never received a call. On XX/XX/XXXX I responded again by email and received no response. I called again on XX/XX/XXXX and was told I would receive a call back and never received this call. I called again on XX/XX/XXXX and was told the same thing and again no response. I called again on XX/XX/XXXX and was told the same thing and never received a response. I called again on XX/XX/XXXX and received a voicemail from an employee named XXXX  XX/XX/XXXX. I returned the call early on XX/XX/XXXX but was told I was not able to speak with XXXX but was told she would call me back. I never received this call. I would like the money they owe me before I have to spend money on a lawyer. I will be calling them tomorrow but hope that this complaint will get them to respond as promised and issue the check they owe me. 

The loan was for a residence in XXXX XXXXXXXX XXXX XXXXhat I sold at the end of 2021. They have been holding this money since this time and appear to refuse to return it. I am no longer a XXXX  resident and they are threatening to send it to the XXXX XXXX XXXX  department in the letter they sent. I have completed and returned this paperwork months ago, well before the XX/XX/XXXX deadline yet they are " burning down the clock '' which would make it impossible for me to recover these funds once they are sent to the XXXX department of unclaimed property. Please help me recover these funds ASAP. I have provided the information they requested below in my attached documents including the letter they sent filled out with all necessary information and a copy of my license as they requested.
Product: Credit card

I call the credit card line to cancel my card and they transfer my call 3 times and hang up on me at the end of XXXX minutes wait. I could hear them whispering on the background! 
Credit card company US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with One Main that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. XXXX says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by One Main Financial.
Product: Debt collection

On XX/XX/year>2025, I submitted a written dispute and request for debt validation to TrueAccord, who is attempting to collect on behalf of XXXX XXXX XXXX for a debt allegedly originating from XXXXXXXX XXXX  ( XXXX XXXX ). They acknowledged the dispute and stated collection efforts would be paused until proper validation was provided. However, they never provided any documentation proving that I legally owe this debt. 

Despite this, I received a new email from TrueAccord on XX/XX/year>2025, offering a settlementa clear violation of the Fair Debt Collection Practices Act ( FDCPA ). This shows they have resumed collection activity without providing the required debt validation, even after stating they would not. 

I am requesting that the CFPB investigate this renewed collection attempt and ensure that no further contact or collection activity occurs unless full and proper validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to dispute with XXXX a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist me.
Product: Credit card or prepaid card

I am writing because there was a mistake made on my account. My debit card was stolen and I reported the unauthorized transactions to XXXX XXXX XXXX. There was a unauthorized transaction made of XXXX on my bank account and my XXXX XXXX payment was XXXX dollars as well. The Fraud specialist must have accidently returned my XXXX XXXX payment and my account became delinquent. I was unaware that the payment was past due and did not make a payment until the following due date of the next payment and a 30 day late payment was reported by XXXX XXXX XXXX XXXX. There was a misunderstanding when the payment was returned. I am asking if the 30 day late could be removed because my debit card was stolen and the payment should not have been returned. Only the XXXX of the unauthorized purchase should have been returned. I have all of the photos to prove my case. I do not want this accidently returned payment to affect my XXXX XXXX for 7 years to come. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN # XXXX account number ending in XXXX