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

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX, and Experian are reporting 30 days inaccurate late payments for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 30 days for the months of XXXX and XXXX XXXX, 60 days for the month of XXXX XXXX, 90 days for the month of XX/XX/2019. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX, and Experian violating my Federally protected rights. To add to this, I did not give XXXX, XXXX, and Experian written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX, and Experian has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a complaint against my student loan servicer, XXXX, as well as the three major credit bureaus : XXXX, XXXX, and Equifax. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XXXX I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy.

( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX via mail dispute in XXXXXXXX XXXX XXXXXXXX  in regards to an account that was incorrectly reporting on my credit report. On XX/XX/2021 XXXX Sent me a letter in regards to the dispute and gave me false information that the account in question was not reporting on my credit, but in fact is reporting on my credit, and is not allowing me to get an apartment because of this. The company IQ Data International. This debt has gotten removed from XXXX and XXXX but XXXX have been giving issues with this for the last year. 

This company has reached out to me multiple times via mail and phone after I asked for a proof of debt, and every time the company would say I simply owe the debt with no proof. I kept trying to tell the company that this debt was paid when I moved out of this apartment over 5 years ago. 
Also the company has been adding on interest to the debt that I never agreed to in the original contract. This debt is not a credit card, this company has no right to claim interest on a debt involving tenant bonds. Every-time I ask for a print out of the interest the company states its apart of the policy. They are misrepresented the debt on my credit report which is direct violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding errors I have found on my credit report and to request an investigation into these discrepancies. After reviewing my credit report, I identified two issues that I believe need to be corrected : A collection entry reported as of XX/XX/XXXX, for an amount of {$81.00} related to an American Account. This entry is inaccurate, as I have no record or recollection of any such debt associated with this account. I request that the validity of this collection entry be verified and, if found to be erroneous, promptly removed from my credit file. 
A collection entry reported as of XX/XX/XXXX, for an amount of {$530.00} linked to XXXX XXXX XXXX. I dispute this charge, as I do not recognize this debt, and I request that it be investigated further. 
An inquiry from XXXX XXXX XXXX, dated XX/XX/XXXX, which I did not authorize. This unauthorized inquiry is also reflected in my credit report, and I would like to request that this issue be investigated and corrected, as it negatively impacts my credit score I kindly request that the Consumer Financial Protection Bureau review these issues and assist in ensuring that my credit file is updated accurately. If further documentation or clarification is needed, please feel free to contact me
Product: Bank account or service

I used my debit/check card for a purchase at XXXX 's XXXX XXXX. There were insufficient funds to cover the purchase but the purchased was approved. I had previously chosen to not have a purchase approved if funds were insufficient when the same thing happened a couple of years ago. I chose to have the purchase refused. My bank is USBank. After noticing the overdraft charge in the transactions listing from the online banking site, I called USBank and they said that it was linked to my XXXX XXXX XXXX account. I stated that I specifically chose not to allow charges to be approved if my checking balance was insufficient. I also stated that an no time did I change my account to use the XXXX XXXX XXXX as a source to cover any overages. USBank charges {$12.00} to cover the purchase with the XXXX XXXX XXXX. This also means that since I have used funds from my XXXX XXXX XXXX, I am now being charged interest on the amount from the XXXX XXXX XXXX and need to make monthly payments to the XXXX XXXX XXXX until the balance of used funds is {$0.00}. To be clear, I never chose to link the XXXX XXXX XXXX to my checking account to cover purchases made on insufficient funds. Those purchased were supposed to refused per my request. These changes were made without my knowledge. Further, I can not choose to delete the XXXX XXXX XXXX from overdraft coverage from the website. I must call the XXXX number of visit the local branch to remove it from overdraft protection coverage. My local branch is located in XXXX XXXX, CA, XXXX. The clerk states that the only purpose of the XXXX XXXX XXXX is to cover overdrafts on my checking account and that in order to have my purchases refused due to insufficient funds, I will have to close the XXXX XXXX XXXX. USBank uses XXXX different terms regarding overdrafts. Overdraft Coverage and Overdraft Protection. The automated phone system says my current account does NOT have Overdraft Coverage. However, my monthly statement has a small section, easily overlooked, that states my account has Overdraft Protection linked to my XXXX XXXX XXXX. I believe this is an intentional tactic to confuse customers into incurring unintended bank charges. The USBank representatives told me that I should not be confused by their different policies and terms even though both representatives had to consult with managers and other bank employees in order to explain the difference between the terms and policies. Lastly, the representatives claimed that the XXXX XXXX XXXX was part of my checking account and could therefore be used to cover a purchase not possible with the checking account. When I asked, " if they are linked, then why was the purchase considered an overdraft? ", they claimed that the XXXX XXXX XXXX was NOT linked for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Product: Student loan

I believe I qualifying for PSLF through the federal student aid buyback program, but when I submit my requests for buyback, they are rejected. 

I graduated from law school in XXXX and I have worked for qualifying employers since XXXX, most recently as an administrative law judge for the State of California. 

The Federalstudentaid.gov website states : What You Need to Know Due to recent changes in PSLF regulation, you can now buy back certain months in your payment history to make them qualifying payments for PSLF. Specifically, you can buy back months that dont count as qualifying payments because you were in an ineligible deferment or forbearance status. 

You can buy back these months only if you still have an outstanding balance on your loan ( s ), you have approved qualifying employment for these same months, and buying back these months will complete your total of 120 qualifying PSLF payments. 

I meet all the above criteria. I have an outstanding balance on my loans. I have 113 qualifying months for PSLF. I have approved qualifying employment during the seven months I am requesting to buy back : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was in an ineligible deferment or forbearance status during each of these seven months. Buying back these months will complete my total of 120 qualifying PSLF payments. 

The federalstudentaid.gov website also states : Submit a request through PSLF Reconsideration. Include the following in your PSLF reconsideration request for buyback : I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback. * I have submitted two requests through PSLF reconsideration. 
The reference numbers for my requests are : PSLF Reconsideration Case # : XXXX PSLF Reconsideration Case # : XXXX Both of my requests to buyback the seven months were denied, with only the explanation that : " Based on the information provided, we have determined your request is not a reconsideration request. '' I am at a loss for what to do, because I am following the instructions on the federalstudentaid.gov website but I keep getting denied. I would truly appreciate any assistance with this issue. 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX  XX/XX/year> TransUnion XXXX XXXX XXXXXX/XX/year> Equifax XXXX XX/XX/year> Experian
Product: Mortgage

We have owned our house for 14 years and have problems with payments during Covid. Our mortgage company Mr. Cooper says we qualify for pandemic forbearance plan and gives us 9 months with no payments. When the plan ends we ask them to try and modify or restructure our loan and they refused, they would not let us fill out application, they would not look at the current financial information of our family. We tell them that part of the government forbearance plan is to give people a way to restructure the loan and be reviewed for programs and they say sorry, Mr. Cooper does not do that, you have to pay all the past due payments to us in one payment. We make good income again but can't pay all this money. Now Mr. Cooper sets sale date for XX/XX/XXXX. We love our home and have equity and want to fix this but Mr. Cooper will not give us a chance. 

We believe this is government XXXX XXXX  or XXXX XXXX loan and there are many programs that are available for distressed homeowners. We had a modification 7 years ago when the interest rate adjusted very high and we made these payments for almost 5 years with no problems. In XX/XX/XXXX I was no longer able to work and was collecting disability and my husband 's company was sold to a new ownership group. Even though my husband made good money, the new owners don't understand the business and the company has problems and can't make the payroll for a few months. Once things were fixed we called Mr. Cooper to begin making mortgage payments again but they would not take the money. We asked to be considered for modification and they said no, the only option is to pay everything back. 
A few months later we had Covid pandemic and my husband company struggles and he loses hours and they miss payroll several times. Finally after many calls Mr. Cooper says we are approved for pandemic forbearance plan. We believe that after the forbearance we can work to a new modified and restructured loan or repayment plan but instead same thing happens and the agents say no to everything. This is wrong. Pandemic CARES Act forbearance was mandated by Congress and lenders are REQUIRED to offer a path to fix the late payments after the program ends. Mr. Cooper has failed to do this. 

We have had a significant change in our financial circumstances, my husband is doing well at his job and I am receiving monthly XXXX and my son who lives with us is also working full time and contributing. This is an avoidable foreclosure if Mr. Cooper would just give us a chance for review for modification, restructured loan, capitalization of arrearages or repayment plan but they block everything we do. This is wrong and this company should be investigated for how they treat Virginia homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several certified letters asking them to verify certain accounts on my credit report. After sending several letters equifax refuses to delete or verify those acounts. I sent certified letters XX/XX/2019, XX/XX/2019, and the latest letter was sent XX/XX/2019. To this day Equifax continues to report inaccurate information on my report causing me to suffer from bad credit.
Product: Debt collection

Subject : Complaint Regarding Failure to Honor Pay-for-Deletion Agreement and Removal of Dispute Remarks To Whom It May Concern, I am writing to file a formal complaint against Credit Collection Services, located at XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX for failing to honor a verbal agreement to delete two paid collections from my credit report and for keeping dispute remarks on one of the accounts, which is affecting my ability to secure a mortgage. 

Background : I agreed to settle XXXX accounts : Account # XXXX, originally by XXXX XXXX XXXX XXXX, Account # XXXX, also originally by XXXX XXXX XXXX XXXX. 
Before making the payments, a verbal agreement was made that upon settlement of the debt, both accounts would be deleted from my credit report. Based on this agreement, I proceeded with the payments. The only reason I paid was to improve my credit, despite not fully recognizing the debts. However, more than 6 months have passed, and these accounts remain on my credit report, contrary to the agreed-upon terms. 

Dispute Remarks and Their Impact : When applying for a mortgage, the bank informed me that there were dispute comments on one of these accounts, specifically Account # XXXX, and these remarks were hindering my mortgage application. On XX/XX/year>, I sent a dispute letter requesting the removal of these remarks and that the account be cleared entirely. However, the dispute remarks are still present on my report, which violates my rights under 15 U.S. Code 1692e False or Misleading Representations. 

Second Dispute Failure to Investigate : On XX/XX/year>, I sent a dispute letter concerning Account # XXXX, requesting reinvestigation due to discrepancies in the balance being reported. Despite this request, no investigation or correction has been made. This failure to investigate violates the Fair Credit Reporting Act ( FCRA ). 

Impact : These inaccuracies have severely impacted my credit, preventing me from obtaining a mortgage. The continued reporting of these paid debts, coupled with the presence of dispute remarks, is misleading and unlawful. 

If this issue is not resolved promptly, I will file a lawsuit to seek legal redress for the damages caused, as this violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was misused, resulting in inaccurate items appearing on my credit report. Because of this, my credit limits have been reduced on some of my credit cards.
Product: Credit reporting or other personal consumer reports

As I was going over my profile there were some inquiries listed that did not belong to me.
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now ( 2 accounts ) XXXX/XXXX/XXXX XXXX/XXXX XXXX   XXXX
Product: Debt collection

This complain is to TRANSUNION. 
File a dispute with Transunion about the collection that XXXX XXXX XXXX XXXX placed in my credit report. 
Where the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) was violated and validation is requested. I never received a communication from this company. 
TRASUNION responded that the information was VERIFIED AS ACCURATE. 
In other words, TRANSUNION is agree that this Act be violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Inquiries ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX