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

This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank/Homedepot is still reporting late payments on my credit report which is hurting my score pretty bad. Citi Bank recently reversed my late payments but told me it no way they could change that on my credit report which isn't true at all. I recently went through my statements and found out 15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates with this information are all mailed well over 21 days so in which none of my payments should be counted as late. I've tried to communicate this with a person over the phone but she was not trying to hear it at all which I have it recorded and I also told her that. I ask was the statement mailed between those days she said yes which is false. I would just love if these companies would just follow the laws or get knowledge of them it would help us all out.
Product: Debt collection

The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX. WITH A REPORTING BALANCE OF {$430.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Student loan

I consolidated my loans several years ago for a lower interest. Since then I have been making regular payments bi-monthly for more than XXXX years via automatic payments. In XXXX Navient received XXXX of the payments, and then returned the funds to my bank two weeks later without crediting my account, immediately before they accepted my next payment. I discovered this and contacted Navient. The representatives said they could not help me but would investigate and have someone call me back. 

I received no callback, but did receive a letter stating that because of the missed payment my interest rate was being raised because of the missed payment. When I called again I was told there is no department or person to handle disputes. All I can do is send in the documents from the bank showing the payment and refund. They can not tell me what they might do with the information other than forward it on to the payment department.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXX XXXX : {$250.00}
Product: Credit reporting or other personal consumer reports

In my previous complaint I mentioned a violation that XXXX XXXX has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX still is reporting these transactions and experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021
Product: Mortgage

to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..
Product: Debt collection

XXXX XXXX XXXX Credit Managment 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 Date of first Delinquency : XX/XX/XXXX Contact : Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : This account does not exist in their database. I was on the phone with them for approximately 30 minutes Thursday XXXX  ( XX/XX/XXXX ) to figure out what this debt is and who is belongs to. The rep and supervisor took all of my information down can could not locate it anywhere in their system. This does not belong to me ( and it doesn't look like it exists ) and needs to be removed from my credit history as soon as possible. My contact number is XXXX. Thank you. 

Kind Regards, XXXX XXXX
Product: Student loan

My loan servicer, MOHELA, offers a Teacher Loan Forgiveness program for teachers who have accumulated at least 5 years of teaching experience at qualifying Title I schools. 

When I learned about this opportunity, I discovered that the schools I've taught at for the last 8 years are all listed as a qualifying school under their " Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits '', and as a XXXX XXXX XXXX I am eligible for {$5000.00} forgiveness. I sent my application to my XXXX XXXX to have their CAOs XXXX XXXX  XXXX, then submitted my completed application to MOHELA through their online platform on XX/XX/2022. 

On XX/XX/2022 I logged into my MOHELA account to check on the status of my application and saw that it was denied. There were no details provided indicating why the application was denied or if there would be further communication about it. I called their customer service line to determine why my application was rejected in order to reapply after making corrections. The representative I spoke with told me that the note left on my denial was not clear, and that she could not determine their reasoning from the information provided. She went through my application line by line, but was unable ascertain why it was denied. After putting me on hold to look into it further, her best guess was that my current school 's name was listed incorrectly, but she could still not be sure that was the issue. 

I reached back out to the head of HR at my current school, who informed me that the name and address they listed was the one used for all teacher loan forgiveness applications, and that they'd never experienced this issue with an application before. At this point I'm unsure of how to proceed to utilize this forgiveness program that I appear to meet all qualifications for.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : XXXX : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
Equifax : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report.

I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected.

Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within 30 days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

For months i have tried to contact Midland credit regarding a credit card that was taken out in my name. I do not have a credit card, nor is this debt mine. The collections needs to be removed from my credit report. This is NOT my debt. I did not have nor do i have any credit cards, nor have I. I would like this false debt removed from my credit report ASAP
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Unauthorized/Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute and demand the removal of several credit inquiries listed on my credit report that are not attached to any open account and/or were not authorized by me. The presence of these inquiries violates my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the permissible use and accuracy of consumer credit information. 

1. Violation of FCRA Inaccurate Credit Reporting The credit inquiries listed below are not connected to any open or active account, nor were they authorized in compliance with permissible purposes under : 15 U.S.C. 1681b : Permissible purposes of consumer reports. 
Credit inquiries should only appear on a consumers report if they were authorized or resulted from a transaction initiated by the consumer. Reporting unauthorized or inaccurate inquiries constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of consumer credit information. 
2. Credit Inquiries in Question The following inquiries are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Equifax 3. Negative Impact on Credit Profile These inaccurate inquiries are unfairly affecting my credit score and overall creditworthiness, resulting in material harm to my financial reputation. 

4. Request for Immediate Removal of Disputed Inquiries To resolve this matter, I demand that your agency : Investigate and verify each disputed inquiry listed above. 
Immediately remove any inquiry that can not be verified as authorized or attached to an open account. 
Provide a written statement confirming the removal of these inquiries and an updated copy of my credit report reflecting the changes. 

5. Legal Consequences for Non-Compliance Failure to investigate and correct these inaccuracies within the time frame required by law ( 30 days ) may result in legal action to enforce my rights under the FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if these inquiries are not promptly removed. 

XXXX XXXX
Product: Student loan

Approximately X/XX/17 I noticed that my interest rate had been raised, and contacted Navient to discuss. They stated that my 1 % interest rate reduction awarded after 3 years of on time payments was being revoked due to a missed payment. I stated that I wanted to talk to a manager because I had signed up to change my direct withdrawal from one account to another, and had put money in both accounts to ensure it would be paid. Navient failed to withdraw money from either account. As I was on my honeymoon out of the country I did not check immediately if the payment had been withdrawn, but upon seeing this I called and immediately paid the amount due. I believe that the company has confusing, possibly intentionally confusing, approaches to setting up to move the withdrawals from one account to another, in order to trick customers into missing payments. The change in rate will cost me approx {$400.00} per year in the short term. I have been making on-time payments, without fail, for over ten years, and I believe I had set up the account to continue to withdraw from a new account. The representative came back from putting me on hold and told me that she could not let me speak to a manager, but instead had submitted my information to them, and that I would receive a " decision '' from management, within 10 days, by mail. I never received any letter or answer, and I continue to be charged the higher rate. During the whole period the company had bank information from both accounts, the old and the replacement account, but claimed that somehow I had not initiated the withdrawals from the new account. I believe that they are acting in bad faith and that furthermore they are being either sloppy or dishonest in promising to respond to my request to have the lower rate reinstated, and failing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 accounts 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 accounts : XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$430.00}
Product: Debt collection

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that the someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I went to a BBVA XX/XX/XXXX in XXXX, TX and made an ATM cash deposit of {$300.00}. After I inserted the bills, the ATM started making a noise as if it was continuously trying to accept the bills. The screen then showed a message stating something regarding the bills being unrecognized and that they'd be returned. However, the slot where you inserted the bills did not return anything, you could just see something spinning continuously in there and the bills were not moving either in or out. After waiting 10+ minutes, the ATM said the transaction was cancelled and displayed an error message stating that it was offline. 

I checked my account and did not see a deposit for the {$300.00}. I immediately went to the drive-thru teller window and told the teller that the ATM accepted my money, went offline, and did not deposit it to my account. The teller told me the machine would need to be repaired before it could be used again. She also gave me a number to call and file a missing deposit dispute. I called the number and filed a dispute, dispute number XXXX, ticket number XXXX. I received a letter dated XX/XX/XXXX that said they were investigating and had issued a provisional credit for {$300.00}. Last month, I received a letter dated XX/XX/XXXX that said the investigation was complete and the disputed transaction was authorized/correct, and the credit was removed. 

I do not understand how the dispute is complete and the money was not credited to my account. I believe that once somebody went to repair the broken machine, the ATM would have been {$300.00} over what it should have been, and the overage could have been linked to my dispute. The ATMs also have cameras, so I'm sure there is video of me inserting the money, waiting there for an extended amount of time and then the machine went offline. If you put all of that together, I'd think the deposit could be linked to my dispute/checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.