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

I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. XXXX reports the account open since XX/XX/XXXX, while Experian and XXXX both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : XXXX on XX/XX/XXXX, Experian on XX/XX/XXXX, and XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

The balance I had on my card was a - {$640.00}. The credit was on the page of the credit card statement for 1 month. Then all of the sudden, the balance was gone and a new balance of {$20.00} was stated on the page except the " beginning balance 0f {$0.00} as of XX/XX/21 '' was also listed on the page, strange. I can show you copies of print outs if you want. Bank of America just took {$660.00} of my money by representing a new balance on the page on credit card # XXXX. XXXX XXXX XXXX, XXXX In addition, they didn't give me the {$300.00} incentive that they promised in the offer for a credit card on card # XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and preventing my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I generously demand that you lead a careful examination concerning the detailing of every XXXX of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit document so I might recover command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I test drove a vehicle and they asked for my information. I gave them it with the intentions that they promised my credit wouldnt be ran ( only soft hit ) They lied to me and ran my numbers. Then in questioning the company they continued to lie to me saying they didntThis all happened XX/XX/XXXX. I am beyond furious because my credit score was XXXX and now down to XXXX
Product: Student loan

On XXXX XXXX, I sent a certified letter to **Department of Education/Aidvantage** requesting the **Original Instrument of Indebtedness** and any other pertinent loan documentation under **15 U.S. Code 6802** - Obligations with respect to disclosures of personal information. The letter was returned to me, which I believe constitutes a deliberate delay tactic in addressing my request and obligation as outlined in federal law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete, including incorrect account details, incorrect late payments, or other missing information. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.
Product: Credit reporting or other personal consumer reports

XXXX sent information to all three credit companies for the consolidation of the student loan. Equifax and XXXX stated they did not received this information. Student accounts are still showing as separate loans. For Equifax the credit score dropped XXXX pints on XX/XX/XXXX. No information on my credit have changed. The student loans are current and on time. A XXXX account and a XXXX XXXX account have been removed from XXXX and the score went up XXXX point for each account removal due to fraud. XXXX also stated that they do not received the student loan update information in XXXX. I will be moving forward with submitting documents to move forward with a law suit on all theee bureaus due to Harassment misuse of the credit reporting or XXXX handling of the credit reporting I have been lied to several times by all three bureaus. They have withheld information stating they did not received information from companies that would be positive reports. I am suing for discrimination harassment stress and defamation of character and loss of financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has reported a collections on my report. They have reported a MEDICAL BILLING on my credit report. I have sent over repeated letters by certified mail and that have not responded. They have not validated the debt upon written request. They continue to Report this claim. Equifax claim that have received validation ( DEFAULT OF WHILE IT'S STILL ON MY REPORT ) from the creditor and have kept this derogatory remark on my report despite my multiple letters to them as well. 

PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 Equifax are in violations of the 1996 Hippa Act, The law Fair Debt Collection Practices clearly states they must verify Evidence/proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

Proof that the collection agency are registered to transact business and/or collect in my state. 

Proof of collection agency authorization by law for collection of information. 

Evidence of whether this debt was assigned or sold to : XXXX XXXX PLEASE Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 ( b ) that your claim is disputed and validation is requested. 

Any Evidence of EQUIFAX verifying my personal Medical Billing is a violation the HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY which are a set of regulations and guidelines for the electronic transmission of healthcare data, and sets up guidelines for the code sets used in medical billing and coding. 
ANY MEDICAL INFORMATION AND INCLUDING MEDICAL BILLING MUST HAVE A HIPPA RELEASE FORM. 

Having Any Of My Medical Information Is A Violation Of Hippa Law. 

CREDIT REPORTING Agencies do not fall under Health Information Exchange ( HIE ) Which pertains only to Doctors, Nurses, Pharmacist other Health care providers to access and securely share a patients vital medical records. 
ANY VALIDATION OF THIS DEBT IS UNLAWFUL OF HIPPA ACT 1996 TITLE II PRIVACY AND SECURITY
Product: Credit reporting or other personal consumer reports

Debit sold to another debit collection no knowledge of this account no information provided this account is fraudulent
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly, you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting or other personal consumer reports

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Product: Mortgage

I was one of those people who went Bank of America was in legal problems I got my second mortgage wrote off in XXXX. I borrowed XXXX in XXXX and had XXXX mortgages and had an escrow that paid my taxes and my homeowners insurance. I got behind and filed chapter 13, so that i did n't lose my home. I was placed with XXXX and they ended up working with me so I dropped my bankruptcy and we did a loan modification in XXXX. After 2 years of paying on time my loan went back to Bank of America. Bank of America shows a non-interest bearing principal balance of XXXX, making me owe after paying payment for 10 years, XXXX. I have called and called and no one can tell me what this balance is from and how it came to be. Bank of America says it came from XXXX and XXXX says no it was given to them when the loan was put with them from Bank of America. No one can tell me where the XXXX mortgage of XXXX was written off. I have from XXXX XXXX that i filed with my taxes saying it was written off, Now on XX/XX/XXXX i get a letter from Bank of America saying I have no homeowners insurance. I call my homeowners they state they cancelled me in XXXX when they did n't receive my escrow payment. Bank of Ameria says it 's XXXX fault, XXXX says they do not service me any longer I need to get this information from Bank of America. I am now struggling to find insurance, and thank XXXX, nothing happened all last year. I have written contract from my original loan, included in my loan is escrow for taxes and insurance. No one will answer me on either of these really serious problems I, the consumer am having to deal with.
Product: Mortgage

XXXX received letter from lender Select Portfolio Servicing, stating that my interest-bearing portion of my loan was paid up and that they were requiring the balloon payment asap. over {$76000.00}. 
I spoke with several representatives ; I was instructed to continue making my payments. Which I did. I was under employed due to CoVid19. and receiving some unemployment. I made every payment despite. 
After first payment was accepted, the second was rejected. Was told that I could not pay through customer portal so I sent through the bank app. It was accepted. The next month payment was reject through transfer so I sent money order. It was destroyed by company instead of sending it back. At this point they asked for all monies and instructed me to refi or remodify. They put my account in forbearance which made it impossible to refi. ( I did try ) I was trying to pay half of the due amount which they refused. I was allowed to make any further payments during forbearance. I did everything they requested for the remodification. They asked me to do a remod and then I could do refi after. 
XXXXAfter months after months of me being in compliance and change of under writing I was offered a repayment plan. I was told I could not be approved for a remod. 
I began making the payments plus extra to catch up on my escrow. Every month I had to call and request that the payment be applied to my account before I sent the next payment. 
In the mean time, I was contacting my banks to see if I could refinance since I was out of forbearance. I was told I needed about 6 months of payment history. ( which I was working on ) XXXXhad to call and have the check applied to account again, was told that the check was being scanned in but the funds were not being applied upon receipt. 
XXXX received message that my payment was due. I had already sent 2 weeks prior. Representative informed me that the check had been scanned and funds applied. 
about XXXX a representative called asking my intentions for property, said that the payment had not been applied. Next rep l spoke with said that they did not know why I was offered a repayment plan but that they again would not take a partial payment ; full payment only but she could put in another application for remod. 
Insanity since they are the ones that said I could not be approved for remod. Now I can not show payment history for a refinance either. I do not make enough income with my long term job under a refi. 
Complaining on the company because I have been in compliance the entire term of my loan, did everything they insisted for a remod so l could have an opportunity to refi. They are not honoring their agreement terms. But since the letter is a computer generated letter I have no legal action at my disposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$4100.00}
Product: Credit reporting or other personal consumer reports

My information was used to open a fraudulent account, Ive reported this to the company countless times yet they still refuse to remove these fraudulent account from my credit report. This is a violation of my consumer rights and the Fair Credit Reporting Act. These accounts need to be deleted from my credit report immediately.
Product: Debt collection

Navient just called me and pretended to be the Department of Education until they knew they had me on the phone, then told me I owe them {$5.00}. They call 30 times a month if youre behind on a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I found that XXXX was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious with Wells Fargo Credit Card Services. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to wells fargo when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Product: Student loan

I am filing this complaint against my federal student loan servicer, Aidvantage, for mishandling and improperly sharing my personal student loan data. According to credible reports, my private borrower information was improperly shared with unauthorized parties, including XXXX XXXX team, without my consent or knowledge. 

This appears to violate the Privacy Act of 1974, as well as the Department of Educations own rules regarding borrower data protection. This breach has caused me serious distress, created risk of identity theft, and undermined my trust in both my servicer and the federal student loan system. 

I am asking the CFPB to investigate this matter and hold Aidvantage accountable for this privacy violation. I am also requesting that the Department of Education consider full discharge of my federal student loans as a corrective action, given the serious breach of my rights as a borrower.