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

My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. 

There are two student loans from XXXX in the amounts of {$99000.00} and {$120000.00} showing on my credit report with TransUnion and XXXX. These loans were consolidated in XXXX and transferred at that time from XXXX to XXXX. In XX/XX/XXXX, the loans were forgiven under XXXX. Erroneously, TransUnion and XXXX still reflect that these loans are open with XXXX. I filed disputes with TransUnion on XX/XX/XXXX and XX/XX/XXXX and with XXXX on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. 

On XX/XX/XXXX I contacted XXXX and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. 

On XX/XX/XXXX I contacted XXXX again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. 

On XX/XX/XXXX I was contacted by XXXX Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.
Product: Vehicle loan or lease

below is a copy a letter I sent to Capital One ; RIGHT OF RESCISSION XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : CHIEF FINANCIAL XXXX CAPITAL ONE XXXX Capital XXXX XXXX XXXX, VA XXXX RE : RIGHT OF RESCISSION Dear CAPITAL ONE I, XXXX XXXX XXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with CAPITAL ONE and XXXX XXXX XXXX on XX/XX/XXXX. 

I entered into this contract agreement with CAPITAL ONE and XXXX XXXX XXXX without ; XXXX ). Full disclosure of my right to rescind. 
XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( XXXX CFR XXXX ( XXXX ) ) as well as self-liquidating paper ( XXXX CFR XXXX ) ). I have reason to believe that CAPITAL ONE and XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that pursuant to XXXX XXXX XXXX XXXX ( b ) upon receipt of this rescission i am not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information ( violation of XXXX XXXX Code XXXX ) as I was told that a down payment of { {$5000.00} } was needed in order XXXX XXXX off of the lot. Pursuant to XXXX XXXX XXXX XXXX - a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I will file a complaint with the Consumer Financial Protection Bureau. 


I demand a full refund of all installment payments and interest that I have made year to date. 
Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).
Product: Mortgage

I previously had a fha mortgage with Wells Fargo and was unable to modify my loan in order to prevent losing the property. I owned the property from XXXX and it was sold in a short sale by the bank.
Product: Bank account or service

On XX/XX/2016, I used Capital One 's new XXXX payment system and sent XXXX {$350.00}. The service allowed me to send a payment to XXXX by her phone number XXXX. XXXX never received the funds and our investigation began. Trace number for this transaction is XXXX. 

In short, the funds were transferred to an account at XXXX. An account that was closed 5 years before this payment 's submission ( XXXX does not currently have a XXXX account ). We were told that XXXX ( Capital One 's service provider for XXXX ) saved XXXX 's old information and the funds were automatically sent. When speaking with XXXX, they claim funds can not be transferred to a closed account and those funds were rerouted back to the sending party. As it stands now, Capital One is refusing to investigate further, XXXX indicates they do n't have the funds and XXXX wo n't speak with me. 

To date, I have spent over 12 hours on the phone with 10 different Capital One agents, 4 Different XXXX agents and XXXX person from XXXX. Capital one claims they located the funds, but can not support us in returning them. XXXX claims they do n't have the funds and XXXX wo n't comment. I 've even bridged a call between Capital One, XXXX, XXXX and myself. Which resulted in a stalemate of no one claiming responsibility. 

Sadly, the facts listed above to not touch on how irresponsible Capital One has been in the matter. A representative from Capital One ( XXXX ; AgentID XXXX @ XXXX ) indicated " this product roll out has been a very big mess and we should get your funds back ''. Three weeks later, XXXX called the day before XXXX to tell me that the issue is my problem, because the recipient has bad information in XXXX. I explained this is a XXXX service offered by Capital One and there should be systems in place because consumers do n't know who XXXX is and the consumer is not responsible for managing a XXXX account. 

Please help, this is a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed and paid in full. 

I submitted a dispute with the credit bureaus to update the balance along with the receipt and the bank refuses to update the information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted the following credit bureaus : XXXX, XXXX and Transunion. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Product: Payday loan, title loan, or personal loan

Covington Credit has closed my account and reported as a Charge off for {$420.00}. I was late on payments with this company however I resumed payments in XX/XX/2022 and only had {$150.00} left to pay off the loan. After reaching out to the company to arrange a Pay-for-delete, they have reported the account as a charge off for {$420.00} ( incorrect balance ) and have not reported the last 3 payments I've made to the company. I have bank statements to prove my payment history. The information is incorrect. Also, the company sold the debt in XX/XX/2022 before I made 3 payments to turn by phone and they did not alert me that they were charging off the account when I called to make those 3 payments. The payments are not reflected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about a potentially negative item reported on my credit profile by : The University XXXX XXXX XXXX XXXX XXXX XXXX XXXX These two organizations have opened a collection account in the amount of {$700.00}, under my name as a delinquent payment. 
All attempts to make them remove this erroneous report have failed. 

Here is what happened On XX/XX/XXXX, I got an offer from the University XXXX XXXX to do an XXXX program. 
On XX/XX/XXXX, I made a payment of {$1100.00} for the XXXX registration On XX/XX/XXXX, I deferred my admission. This is because my job assigned me to a project that made it unfeasible to continue with the program. 
Because the deferral was completed within the allotted time, the university promised to give me a refund for the tuition that I paid. However, after many unsuccessful attempts to get my refund, I gave up and stopped contacting the school. Only for me to see it appear on my credit profile, this year XXXX. 
I have disputed this report with Experian and submitted documentation to prove that I do not owe the University any money but still, I have no idea why Experian will not remove this from my credit report. 
I also do not know why the University thinks I owe them money, even the credit collector can not offer a good explanation about the money they say I owe. 

Now I'm interviewing for a job right now and their background check is alerting me of a potentially negative item in my report. I have been without a job for over a year and I can't afford to miss this opportunity.
Product: Credit reporting or other personal consumer reports

Ask the three credit bureau to delete Truist Bank account off of my credit report due to them failing to show proof or documentation of alleged debt. Dispute is being denied. I hav no knowledge of this account or alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions. The following Accounts : 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: Checking or savings account

Capital one 360 checking did not deposit my direct deposit today XX/XX/year>. They said there were technical errors and thats about it. I called capital one credit also and they would not even say that capital one was experiencing any technical difficulties and then transfers the call back to capital one 360 checking. Capital one did not send any email explaining the issue or reached out in any way regarding this. I have no groceries, no gas, and no answers to when this issue will be solved or what the issue actually is. Capital one wont even say if I can use my card and if its safe to put money into that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 
The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

1st dispute was on XXXX for 6x large coats which I never receive & it was going on 2-months i wrote citi bank twice because they ask me to about the dispute & the only thing they had to do was get the merchant to send me the return label because the merchant stop taking my email & phone calls i had cancel after they lied about the delivery..then citi lied to me & said I had to pay 1st on the dispute & I will get my money back so I paid all three dispute $ XXXX, ,etc..the second dispute was on XXXX for XXXX for XXXX & the third one was on XXXX XXXXXXXX XXXX XXXX XXXX  etc. for XXXX, ,Then citi ly took my money & paid these lying people etc..Then I cancel my card & told then I am going to report your for stealing money etc..
Product: Credit reporting

In XX/XX/XXXX, I spoke with Equifax regarding the date of removal for a Tax lien on my credit report. I was told that the tax lien would be removed in XX/XX/XXXX from my credit report. I contacted Equifax in XX/XX/XXXX, and was then told that it would have to stay on my account for up to another 3 years, I then called back, and spoke with another person, who again told me that it would come off my credit report in XX/XX/XXXX. I then called back in XX/XX/XXXX and was then told that it would stay on my report for a total of 10 years from the date it was issued. At the time, my credit score was XXXX ( XX/XX/XXXX ), but in XX/XX/XXXX it dropped to XXXX without any explanation. There were no additional credit issues at that time. They also have blocked my number, so I can not file a dispute.
Product: Credit reporting or other personal consumer reports

I am disputing the address information reported by XXXX on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I have the right to challenge inaccuracies or outdated information. 
XXXX has not removed an incorrect address, negatively affecting my creditworthiness. Attached is relevant evidence. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX -General Delivery XXXX XXXX MN XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC, XXXX XXXX ( XXXX ) XXXX XXXX Aargon Agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX Subject : Formal Dispute of Charge-Off Reporting and Demand for Removal To Whom It May Concern, I am formally disputing the reporting of a charge-off on my credit report. Upon reviewing my records, I have determined that this reporting is inaccurate, misleading, and in violation of federal laws, warranting its immediate removal. 
A charge-off is classified as a certificate of indebtedness, which, by definition, converts the obligation into income for the original creditor. Under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations, when a creditor writes off a debt as a loss, they claim a tax deduction, effectively relinquishing their right to collect. Once a debt has been charged off and financially accounted for, it should no longer be reported as an outstanding obligation against me. 
Additionally, once a third-party debt collector acquires a charged-off debt, it affirms that the original creditor has already written off the account. The sale of such debt further confirms that the creditor has received compensation for it, making any continued reporting improper and deceptive. Reporting a charge-off after the original creditor no longer owns the debt is an inaccurate and unfair practice under the Fair Credit Reporting Act ( FCRA ).

Furthermore, under 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act - GLBA ), I am exercising my right to opt out of any nonpublic personal information sharing, including the reporting of this charge-off to third parties. The GLBA prohibits financial institutions from disclosing nonpublic personal information without providing consumers with an opt-out option. Since I was not properly notified nor given the opportunity to opt out of my personal data being shared in this manner, this charge-off must be removed immediately. 
Additionally, under the Privacy Act of 1974 ( 5 U.S.C. 552a ), any entity reporting information must ensure accuracy, relevance, timeliness, and completeness. A charge-off that has been sold or reassigned to another party does not meet these legal standards and should no longer be reported as a valid obligation under my name.

I am demanding that you conduct a full investigation under 15 U.S.C. 1681i ( FCRA ) and provide legally admissible documentation proving the validity of this charge-off. If verification can not be provided, this derogatory entry must be deleted from my credit report immediately. 
Please respond in writing within 30 days, as required by the FCRA. If this matter is not resolved, I will explore all legal remedies to enforce my rights under federal law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. I did not take out this loan.
Product: Credit reporting or other personal consumer reports

These are the hard inquires on my credit reports that were not authorized by me or that I dont recognize. I would like for you to get these removed from my reports for all 3 credit bureaus 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, has all 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.