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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion XXXX Department : XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under XXXX U.S.C. XXXX, credit reporting agencies are required to investigate any disputed information within XXXX days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within XXXX days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

I went on vacation as a single mom with XXXX little kids to the beach in the summer. I am a law abiding citizen and always pay tolls. While my children were yelling in the back of the car, the road split and I was in the far left lane and didnt realize there was a toll. I had a feeling that I had missed a toll but wasnt sure. The next day when I paid another toll, I explained to the attendant that I wanted to pay for my possibly missed toll the previous day. She said that was fine and I paid the retroactive toll of {$0.00} for my previous trip. I asked her if I would receive a ticket in the mail and she told me no and that she would update my missed toll in the system. I never received a ticket and three months went by. I figured it was resolved and updated when I made the retroactive payment with the attendant. Today I received a notice of collection in the mail for {$55.00}. I went back and verified that it was the exact place and toll I had missed, which it is. Not only did they never send me an original ticket which is unethical that they increased a {$0.00} sent toll to {$55.00}, but I had already paid it to the attendant. I did my due diligence when it happened and went to pay the toll I had missed right after it happened. I was guaranteed that it would be updated and now they are trying to turn a {$0.00} ticket into {$55.00}. Thats theft! Im frustrated and hurt by this. I live out of state and I just want this to be resolved. I have my receipt showing that I went back to pay the toll shortly after I missed it. This is so unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES has violated my rights. 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 
I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

XXXX clear on this request I'm not asking but informing the credit reporting agencies XXXX, XXXX and TRANSUNION that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX  mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX  if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.
Product: Debt collection

Sequium Asset Solutions LLC is reporting to XXXX I owe {$120.00} for an account opened in XX/XX/2020. Then reporting to XXXX that I owe {$140.00}. I have never done business with nor made any payments to this company. When I sent out a letter for validation, nothing was returned.
Product: Checking or savings account

I deposited a check issued by XXXX XXXX XXXX XXXX XXXX early in the day on XX/XX/XXXX. Funds are still not available with no letter, email or electronic notification as of XX/XX/XXXX. I am in result behind on bills and unable to by groceries for my children. The ban told me the hold expires XX/XX/year> ( I had to call them today XXXX XXXX ). Due to it being a payroll check from the government I find the length of the hold unacceptable and I find the lack of communication even more unacceptable. This has also directly caused a negative impact on my credit score while I was trying to build credit to buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been past 30 days since I disputed an item with CFPB and Transunion has failed to respond. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Product: Mortgage

I filed chapter XXXX bankruptcy XX/XX/XXXX. Signed reaffirmation forms ( both by me and my attorney ) were sent to the Wells Fargo Home Mortgage the week of XX/XX/XXXX to be submitted to the court. XXXX XXXX I discovered my mortgage payments were not being reported to the credit bureaus. I was told by a male employee the reaffirmation was left sitting on someone's desk for 2 weeks, he would take of it and everything would be fine. I have tried both in XXXX of XXXX and again now XXXX to get them to fix this problem. Then and now Wells Fargo is telling me it was sent to them to late to file with the courts and that they will not report my payments to the credit bureaus. I feel since the correct signed reaffirmation paperwork was submitted to them by at least XX/XX/XXXX and the bankruptcy wasn't discharged until XX/XX/XXXX that Wells Fargo Home Mortgage had plenty of time to file the reaffirmation to the court and therefore should be reporting my credit to the credit bureaus retroactively for XX/XX/XXXX payment to present which have all been on time or within the banks 10 day grace period since I may pay from my bank on the due date and Wells Fargo may not post it for 2 to 3 days. Each time we have contacted them regarding this issue, they say they are investigating the problem and come back after at least a month and say it's my problem, no one told me it was on someone's desk for 2 weeks, no such phone call took place and they will not report my payments to the credit bureaus. I hope you can help me with this disgraceful way they are doing business.
Product: Student loan

On XX/XX/2023 I noticed on my credit report inaccurate information reported by Navient Corporation. I noticed a 90 day late payment on my credit report therefore dropped my credit score XXXX points. I have been in the IBR plan and I never got a notice for late payment for 30 days or for 60 days. We are still under the Covid Relief Law 15-U.S Code furnishers of information to consumer report agencies. I tried to reach out to Navient with no luck they have refused to help. I would appreciate it if this Late Payment Remark be removed from my Credit Report as I have been in good standing and we are still under the Covid Relief Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with Experian and XXXX   both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Product: Debt collection

I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested I demand the negative accounts be removed from my account. 

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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/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 ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

On XX/XX/2021 I signed up for XXXX XXXX and tried on a pair of XXXX XXXX for a trial. I returned the items on Saturday XX/XX/XXXX, one day before the trial ended. On XX/XX/XXXX they charged me {$160.00} because they said they never received the item. This was almost three months after I returned them. I contacted my CC company, Chase, and they will not dispute this charge for me.
Product: Debt collection

on XX/XX/2021, I sent PORTFOLIO RECOVERY ASSOCIATES, INC A LETTER DISPUTING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.ASKING FOR THE VALIDITY OF THE DEBT AS WELL AS OTHER DOCUMENTS CONCERNING THE ACCOUNT, IN WHICH I HAVEN'T HEARD FROM.I WILL LEAVE A COPY BELOW OF THE LETTER FOR YOUR VIEWING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.
Product: Credit reporting or other personal consumer reports

On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife XXXX XXXX XXXX XXXX XXXX I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Homebridge mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to Homebridge 's XXXX XXXX and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from Homebridge stating that I had mailed the payment to the wrong XXXX XXXX and it provided me with the correct XXXX XXXX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my Streamline refi to not go through because it shows two thirty day late charges. Homebridge has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Money Lion claims to have an issue with payments being processed for their XXXX XXXX XXXX. The lack of payment is showing as past due on my account. The only option they have is to pay the loan in full. Money Lion has paused access to their XXXX feature due to the loan not being paid on time. The missed payment is not my fault, it is the companys fault. Money Lion has failed to notify consumers of such down issue with payment which is deceptive as a loan mispayment can negatively affect consumers credit. My Instacash payment was due on autopay on the same date my XXXX XXXX XXXX was due. I paid on time and {$XXXX} was taken as a loan payback on payday. I rely on XXXX to pay credit card payments etc. This has caused a hardship, but is not a problem as I no longer wish to use XXXX XXXX services. I wish to have the ability to pay my loan monthly payment to pay off the credit builder loan and no longer use Money Lion. Their customer service and willingness to help consumers, who they know are in need of help financially, is a lack thereof. Please step in to help consumers not become a victim of deceptive business practices from companys blocking the ability for loan payments to be made. Its not fair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquifaxisincorrectlyreportingmeasanAuthorizedUseronXXXXpartialaccountnumberXXXX.(Pleaseseepage7oftheattachedcreditreport.)IcalledXXXXXXXXandletthemknowthatIdidnotgivepermissiontobeaddedasanAuthorizedUsertothisaccount.TheyremovedmeasanAuthorizedUseronXXXXandXXXXhoweverEquifaxhasnotremovedthisfrommyreport.Ihavecontactedthebureautofixthisissue.Thisnegativereportingisharmingmycreditscore.
Product: Credit reporting

XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Student loan

I graduated with my XXXX XXXX in XXXX XXXX   studies and started paying off my student loans in XX/XX/XXXX. Initially my loan was with Sallie Mae ( now Navient ) and it is now with XXXX XXXX. When I discussed my repayment options with Sallie Mae on numerous occasions, they always insisted I repay my loans using the standard payment plan and discouraged me from the income driven plan. They told me I would pay my loan off faster if I did the standard plan and encouraged me to pay more on top of the monthly payments when it was feasible for me. They did not present the public service loan forgiveness program as an option to me, even though I was clearly working in the public service department as a XXXX XXXX. 
I honored that plan, making my payments timely and in full over almost 6 years, even paying extra principal whenever I could spare, trying my best to get ahead as they advised. 
In XX/XX/XXXX I discovered the Public Service Loan Forgiveness ( PSLF ) program and contacted my current loan company,  XXXX XXXX. They explained I would qualify if I simply switched to an income driven repayment plan. I immediately changed my payment plan, applied for the PSLF program and qualified. 
In retrospect, I was paying considerably MORE on a monthly basis and at a higher interest rate ( even without the additional principal I was trying to pay ), in the Standard Repayment Plan then I would have had I been enrolled in the Income Based plan from the start. Let alone the fact that I would have been accumulating credited time towards loan forgiveness. Had I been properly informed of my options, this one plan in particular, I clearly would have gone this route. 
When I was told by my loan company and PSLF that there was nothing they could do to for the 5+ years I lost out from participating, I contacted my lawyer who directed me to our state congressman, XXXX XXXX XXXX I explained to him that the previous 5+ years of loan repayment did not fall under the strict guidelines currently in place for eligibility of the PSLF program and I was interested in the possibility of the guidelines being amended going forward and possibly on a retro-active basis. Unfortunately, they were unable to help. 
I have recently discovered that I am one of many individuals that were wrongly advised by Sallie Mae ( now Navient ). If it wasnt for their misguidance to convince me to pay more using the standard loan repayment plan and steer me away from the income based plan, I would have qualified for PSLF 9 years ago. Not only would I have saved money a monthly basis, but I would qualify for complete loan forgiveness later this year. Instead I have paid thousands of dollars more than necessary and will be paying off my loans for an additional 5+ years. I have struggled at times to make my payments but have always made the sacrifice and kept it a priority. It is wildly unethical what Sallie Mae/Navient has done to me and apparently many others. Clearly they mislead customers like me for their own profit. Before I continue to pursue this legally, I thought it would be beneficial to make a formal complaint to your department.