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

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe XXXX be linked to a data breach : XXXX XXXX XXXX XXXX - XXXX - {$1000.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$720.00} ; XXXX/XXXX  XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$340.00} ; XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with LVNV FUNDING LLC. I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested.
Product: Vehicle loan or lease

Hi, there! 
how are you? 
My problem with the XXXX XXXX department is the monthly payment mostly. It's a pre-owned XXXX XXXX XXXX off road//. Briefly, the retail price is {$41000.00}, XXXX terms, and I paid a {$3000.00} downpayment in cash, this transaction was made in XX/XX/XXXX. It's been two years now, every time I try to re-financing the vehicle will be told by them or banker in other bank that my currently rate is quite low and reasonable enough. Therefore, there is no room for me to bring down the $ 824 monthly payment. Truly, this is the point definitely XXXX me off. I clearly remember that the day before I sign up the contract, the salesman told me that my rate is 7.89 % like so that after get a loan {$41000.00} from them in XXXX terms, my monthly payment goes to {$820.00}. Back then, I told them it's too high for me to afford it, and they firmly tell me that I can re-financing the car after half year later. However, I try my best to make payment on time over 2 years now, and it never has possibility for me to lower my payment. Why? after a deep analyze on this case from the beginning till now, I start to realize that the entire buying experience is a setup trap like. XXXX  XXXX, they calculated my monthly rate based on the high APR, XXXX % but in their app the fixed rate is 5.86 %. I had done a math with the online vehicle calculator, and the result is {$720.00} based on these basic values. XXXX  XXXX, on their app, it shows I still have {$30000.00} remaining balance left so far, but the total terms still have XXXX. In the past two years, the total money I had paid is {$26000.00} like. Isn't it looks weird? Suppose I keep making the {$820.00} next, here, divide {$30000.00} by {$820.00}, the total left terms should be XXXX, not XXXX left on the app. Overall, it has too many places really confused me from then till now, and I was trying to stop paying, but I soon after realize that not the best way to defend my legal right. The end, FOR BETTER KNOWING THE DETAILS OF MY CASE, pls take a close look on the contract I upload and investigate on it for me ASAP. 

Bow down in advance! 

XXXX XXXX ( XXXX XXXX )
Product: Checking or savings account

Sofi bank allows false identity to open up account, making the felon untraceable. Sofi needs to take accountability for negligently allowing someone to open an account with my personal information and terrorize me.
Product: Mortgage

On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, XXXX, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Product: Mortgage

The statute of limitations on my mortgage expired and I previously filed a XXXX XXXX and received a discharge. I have a pending appeal and the servicer just processed an application for mortgage assistance without my authorization. I did not request mortgage assistance as it would reaffirm the debt. This was a deceitful tactic to reaffirm my debt. They felt that if I did not respond I would consent to it when I no longer have no obligation to repay this stale debt of almost 20 Years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX. The current status should not be showing late because I paid it on time Equifax and XXXX Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

JP Morgan Chase refused to accept foreign currency as a deposit. I sold a car in XXXX and brought cash in XXXX XXXX ( XXXX  ) currency home. I wanted to make a deposit to my checking account but bank teller refused to accept the deposit telling me they don't accept XXXXXXXX XXXX
Product: Consumer Loan

Santander auto car loan Has been the biggest rip off I hav ever come across I 've been monitoring my credit making on time payments an then I noticed that not one payment not XXXX Dollar not XXXX cent I have payed has gone to the principle of the loan. My principle have stayed the same the whole time I was paying the car note currently researching legal representation
Product: Debt collection

To Whom It XXXX Concern, I am writing in response to a collection notice I received from your agency on XX/XX/year>. Please be advised that this is not a refusal to pay ; however, I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Debt Verification Request : XXXX. Proof of Debt : Please provide a detailed account statement, including the original amount of debt, all payments made on the debt, any fees or interest added to the debt, and the current balance. XXXX. Assignment Contract : Kindly provide a copy of the original assignment contract or any other documentation that clearly indicates that your agency is legally authorized to collect this debt on behalf of the original creditor. This document must show that the debt has been assigned to you and detail the terms of the assignment. XXXX. Permissible Purpose : I am requesting verification of the permissible purpose under which you are attempting to collect this debt. Please provide documentation demonstrating your legal right to contact me regarding this matter. XXXX. Cease and Desist : Until the requested validation information has been provided to me, I am formally requesting that you cease and desist any further contact with me, including phone calls and letters, except as specifically required by law. Please be advised that failure to provide the requested validation documentation within 30 days from the receipt of this letter will result in the filing of complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I am also prepared to pursue further legal remedies as necessary. I also request that any negative information related to this account be removed from my credit report until the debt is validated, as reporting unverifiable debt violates the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response. Please note that all future communications with me regarding this debt must be in writing and sent to the address noted above. Thank you for your immediate attention to this matter.
Product: Debt collection

Dear Discover Customer Advocacy Team, Re. Case Number : XXXX I write in response to your correspondence received from the XXXX Executive Office of Customer Advocacy regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Thank you for your attention to this matter ; however, I believe further clarification is necessary. 

With respect to your response dated XX/XX/, understanding your reference to an unchanged previously reported account history, my initial complaint raised specific concerns under the terms of 12 U.S. Code 83 and 15 U.S. Code 44. I had requested for documentary evidence connected to my account ending in XXXX, including certain documents, correspondence, financial and corporate records pertaining to my account. 

I appreciate that you have provided a contact for your Customer Assistance and Recovery department. However, this does not entirely satiate my request for proof of the original instrument of indebtedness which I am entitled to receive according to 12 U.S. Code 83. Additionally, I require a clear understanding of the funding of the account and an account payable-receivable breakdown from the date of the opening of the account as outlined in IRS Publication 583, also referred to as the XXXX. 

Your previous response didn't appear to adequately address these assertions, and I am still desirous of resolution. I submit this reinforcement of my initial complaint with the hope that we can address this matter collectively, providing me with the aforementioned documentation and assurance that my debt will be settled upon receipt of the full payment amount detailed in my initial complaint.

I understand that these are unusual requests but please understand that they are made with respect to the Law and my rights as a customer.
Product: Credit card or prepaid card

I made a dispute for transactions that were unauthorized .i was told that i could get a provisional credit if i submitted paper work in 10 days .. I decided to wait the 45 days for my dispute to get approved .. They refunded the money and i thought that was it .. Then 2 days ago right before my direct deposit hit my account they reversed the credit therefore putting me in the negative over the amount of my dd.. I called numerous times was hung up on twice stayed on hold for more then 4 hours to get issue fixed and never got the issue resolved so i asked to have a manager call me but they never did .. The wait times are rediculous and i have a XXXX dependant at home and i needed the money from my dd to hit .. Then i stayed at XXXX XXXX  and signed a paper for a XXXX dollar incidental fee and when arriving at motel asked for a room with fridge .. The room the manager said she would put me in a buisness room and upon getting grocerys the next morning realized there was mo fridge and other items.. When i checked out nothing was said and then waytogo let them overdraft my account XXXX dollars because hotel said items were in room which was not the case and the paper i signed was for XXXX not XXXX ..i called and finally got to do a dispute after hours of being on hold and inquired why it is my account. Could be negative that much when its prepaid and was told that if money is in account then they could overdraft amount that company charges for .. Then i read terms and conditions and it said that there is no overdraft so now its monday and bills are due and cant pay them or by things for my dependant .ive called 4 or 5 times and waited on hold more then 3 hours only to be hung up on .. I need the money to he put back so i can feed my household .. They also charge XXXX cents for every balance inquiry but dont have a choice to skip the balance inquiry .. Plz refund my money and also like to know how i can switch my unemployment to my own bank .. I also cant change my address so mail is getting shioped to wrong address .. But is current with unemployment
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that " LEXISNEXIS '' update/correct my personal information on file with their company. I requested that all other addresses, names, phone numbers, and unidentified information be deleted from my consumer file, as they are not deliverable to me by U.S. post office, and they are not reportable as per the " FCRA '', since they are inaccurate. I requested an updated copy of my consumer file, with no response or updated consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX from XX/XX/XXXX + Personal Loans XXXX XXXX Inquiry from XX/XX/XXXX + Sales Financing Auto Credit Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

The interest rates of the following credit cards are just ridiculous and should be looked upon by Agencies like you. These Companies are practicing USURY. Imagine almost 50 % of what you're paying goes to interest charges alone. With the gov't providing stimulus package to these Companies they should help low income people on their bills by at least reducing the APR, some are charging 22 % others 24 % on purchases and cash advances. These are ridiculous when the Fed has cut the Fed rates at its lowest level. I called each one of them to reduce my APR and they just shunned on me! What if I don't pay them, do they prefer that than help me by reducing interest rates? 
Credit Card Co : Capital One, XXXX XXXX  XXXX, XXXX XXXX, XXXX Card, XXXX XXXXl Credit, Retail Stores : XXXX XXXX and XXXX  You CFPB are too much on Fair and Responsible Lending XXXX, but not going through where the big issues are ... the Interest Rates that these greedy Credit Card Companies/ Retail Store Cards are charging. These are the ones to be looked upon with more scrutiny. Not the Math Models that you develop and ask banks to provide on FRL issues, which are XXXX anyways.
Product: Mortgage

My Wife and I completed and submitted a refinance with Navy Federal Credit Union in XXXX of 2020. We have completed all of the paper and submitted the paper work via Navy 's online process. All we have gotten back from Navy is phone calls asking us if we still want to process with the refinance and each time we say yes. We are now in the 7th month and no closing date. I have reach out to Navy many times for an update and no response. There is something here seriously wrong.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only XXXX authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out several disputes to each of the credit bureaus : XX/XX/XXXX, Equifax, and XX/XX/XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found fraudulent accounts listed. Please remove them as they are affecting my ability to get credit. 
XXXX 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
Product: Debt collection

I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account.