23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I make multiple payments on my account to stay under my credit limit. I have made more than 10 payments to my credit card account as direct draft payments from my checking account. In late XX/XX/2021 Capital One flagged one of my payments as needing verification of my checking account. I went through their process and provided all the documentation needed and they approved my payment. XX/XX/2021 Capital One has flagged one of my payments again. This time the funds have already left my checking account and they have suspended my credit card for 26 days pending another verification of the same account. Let me be clear Capital One has already accepted the funds and they have still suspended my account. I spoke with their customer service team and was told that the issue was above their pay grade. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # U S DEPT OF EDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I entered a COVID-19 protection forbearance for my mortgage with XXXX XXXX  XXXX XXXX The forbearance period lasted until XX/XX/2023. During this time, XXXX XXXX  did not report any delinquencies to the credit bureaus. In fact, they provided documentation confirming that there was no delinquency reporting during this period and that my loan was paid in full on XX/XX/2023. 

Despite this, Equifax has been inaccurately reporting my loan as 180 days past due and as a collection account. Additionally, Equifax has incorrectly listed the date of first delinquency as XX/XX/2023, which is not accurate. This incorrect information has severely impacted my credit score and my ability to obtain credit. Most notably, it has prevented me from purchasing a home for my family. 

On multiple occasions, I have disputed this information with Equifax. The dispute numbers include XXXX. I provided Equifax with documentation from XXXX XXXX  that clearly shows there was no delinquency and that the account was paid in full. However, XXXX automated system continues to report this false information. 

I spoke with an Equifax manager who acknowledged that the documentation from XXXX XXXX  does not indicate any delinquency or collection status. However, she stated that there was no manual process available to correct the automated systems errors and that I would need to dispute the information again, which is an unreasonable request given that I have already provided all necessary documentation. 

XXXX refusal to correct this inaccurate information, despite having the correct data from XXXX XXXX may constitute fraudulent activity and violates the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require credit bureaus to report accurate information and to conduct reasonable investigations into disputed information. 

I am seeking the CFPBs assistance to ensure that Equifax corrects this erroneous information on my credit report promptly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit as i'm the process of buying a home. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my report.
Product: Student loan

I am a XXXX XXXX in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have XXXX  loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my XXXX loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. I am have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. 

I am an XXXX XXXX who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money.
Product: Debt collection

Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Inquires on my credit report that I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job through XXXX who used a background check Through Sterling background investigation company to deny me for employment. On the application it clearly states a 7 year review of criminal history and my employment was denied because of an offenses dated from XXXX  which is clearly beyond the 7 year dates in question. I have tried to resolve this with the company and dispute this manner directly with the company and they did not allow me or give me a proper way to dispute their decision.
Product: Debt collection

XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX  XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, XXXX reporting this account type is collection. 
Transunion reporting this account is open.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Westlake Financial regarding its egregious disregard for federal and commercial laws, specifically concerning the Securities Exchange Act of XXXX, the Sarbanes-Oxley Act of XXXX, and Part 207 Disclosure and Reporting of CRA-Related Agreements ( Regulation G ). These violations have caused significant harm, both financially and personally, and have left me with no viable recourse to address their wrongful actions. 

Background : On XX/XX/XXXX, I initiated communication with Westlake Financial to address issues related to the security I furnished as collateral for a vehicle loan. Despite this outreach, Westlake Financial failed to provide the necessary disclosures or comply with relevant laws. 

Subsequent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, reiterated my concerns and sought resolution regarding their improper handling of the loan obligation. Despite multiple attempts to resolve the matter, Westlake Financial repossessed my vehicle and continues to attempt collection on a debt that has already been discharged through bankruptcy proceedings.

Moreover, at no point did Westlake Financial provide an opportunity for reinstatement, in direct violation of federal laws protecting consumer rights in such circumstances.

Violations : Securities Exchange Act of XXXX Westlake Financial failed to comply with key provisions of this Act, including transparency requirements and accurate disclosures. Their lack of adherence to reporting obligations has deprived me of the ability to make informed decisions regarding my loan obligations. 

Sarbanes-Oxley Act of XXXX Westlake Financials ' actions demonstrate a complete disregard for the financial accountability and transparency requirements mandated by this Act. The failure to maintain accurate records and provide clear documentation undermines the purpose of the Sarbanes-Oxley Act and violates consumer protections. 

Part 207 Disclosure and Reporting of CRA-Related Agreements ( Regulation G ) As required by Regulation G, Westlake Financial must disclose CRA-related agreements and provide transparent reporting. Their failure to do so in this case is a clear violation of their obligations under federal law. 

Current Issues : The repossession of my vehicle without due process and without adherence to federal requirements. 
Continued collection attempts on a discharged obligation, which violates bankruptcy discharge laws and consumer protection statutes. 
Refusal to provide an opportunity for reinstatement, further compounding the harm caused by their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with Equifax closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
Product: Debt collection

My husband received care at a rehabilitation facility called XXXX XXXX XX/XX/XXXX. All services were paid for upfront through our insurance and we also paid around {$60000.00} for his stay at the facility. On XX/XX/XXXX we received a notice from our insurance company advising they received a bill from what appears to be a company related to XXXX XXXX. They refused payment due to incorrect diagnosis codes, modifiers, unit or place or service. We later received what appears to be a medical bill from the rehab facility reflecting a remaining balance due of {$4500.00}. At the bottom of this bill there is a hand written note showing a balance of {$290.00} for " Canteen Items. '' I've never received a medical bill like this in my entire life. When my husband attempted to contact XXXX XXXX directly to dispute these erroneous charges they couldn't explain the bill and refused to send his dispute to the their billing department. They instead advised he should contact a XXXX XXXX who is supposedly with their billing department. However, we've received phone calls from XXXX XXXX ( XXXX ) and when we've attempted to call him directly he is never available. I've attempted to contact him directly and have left voicemails advising that we're disputing this bill and requested him not to call us again. He later made attempts to contact my husband and I through my parent 's in law and advised them of this medical debt WITHOUT OUR PERMISSION. He left me a voicemail again on XX/XX/XXXX. To date we haven't received a bill or notice from XXXX XXXX about this fraudulent debt. When I called today XX/XX/XXXX I spoke with another man. He advised XXXX XXXX wasn't available, so I advised him we're disputing this fraudulent debt and requested to be put on their Do Not Call list. He refused to stop the calls and advised I would have to tell XXXX XXXX myself. I advised his company is breaking multiple FDCPA guidelines and he replied " they don't have to bend to my will and I could probably end up getting sued, this isn't a sales call so these guidelines don't apply, and he finally advised if I don't want these calls to continue then I should get an attorney. '' I would like to advise I've now contacted an attorney per their request. I confirmed that the actual company contacting us is NOT Serenity Oaks, but a debt collection agency called Credit Counsel Inc., CCI. AGAIN, we have never received anything in the mail from this company! During my call with the gentleman today, XX/XX/XXXX, at no time did he EVER give the mini-Miranda disclosure required per FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XXXX/XXXX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Student loan

On the evening of XX/XX/XXXX, I received an " Auto Debit Payment Reminder '' email from MOHELA stating that my student loan payment would be withdrawn on XX/XX/XXXX. However, I had not received a bill from MOHELA, so did not know that my due date was XX/XX/XXXX. Per email communications from both MOHELA and the XXXX Department of Education, student loan payments would be due for most borrowers in XXXX and we would receive a bill, with payment amount and due date, at least 21 days before the first payment was due. I did not, and still have not, received such a bill for the payment withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement for the payment due XX/XX/XXXX. 
On XX/XX/XXXX, I called MOHELA and spoke with a tier XXXX rep named XXXX, who informed me that the " Auto Debit Payment Reminder '' email I received the night before the payment was due was the same as the billing statement that I should have received at least 21 days before the due date -- basically, that I did not receive a billing statement because I was enrolled in Auto Debit. 
Nowhere on MOHELA 's website does it say that enrolling in XXXX XXXX means that you will not receive a monthly bill. Under the FAQs, " Yes, we will send a monthly reminder while you are signed up for XXXX XXXX. '' is the answer to " Will I still receive monthly statements while signed up for auto debit? '' A reminder is NOT the same as a billing statement and this answer is misleading. Furthermore, since repayments are starting again after nearly 3 years AND my loans were transferred to a new servicer in that time, I should have received a bill whether or not I was signed up for Auto Debit. I had no idea that a payment was being withdrawn until the night before, which is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX CT XXXX XXXX, MO XXXX ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX office ran a hard inquiry on my credit report from Experian on XX/XX/2022 in pursuit of retrieving owed debt. They have continued to call myself and work place after I've asked them not to. They've threatened to arrest me.
Product: Credit reporting or other personal consumer reports

I am writing to get help updating my personal information with XXXX, Transunion, and XXXX I have been trying for XXXX  to get my address, birth date, and correct spelling of my name my only employer with XXXX, Transunion, and XXXX and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in XXXX.
Product: Student loan

My employment certification hasn't been updated, processed, or corrected since XX/XX/XXXX though I have submitted the PSLF form several times and been asked to resubmit due to missing information ( that was not missing ). The last time I submitted this form was XX/XX/XXXX. I have called and been told that no employment would be certified until repayment starts which is false since that has already happened and nowhere in Fed Loan Servicing 's literature is such a claim stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is currently reporting the account thats reporting to my credit report in violation. On XX/XX/XXXX I notified the credit bureau 's that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX ( XXXX  XXXX. I then directly contacted the furnisher on XX/XX/XXXX to let them know about the inaccurate date of last activity which they did not delete or correct the information. On XX/XX/XXXX I then notified the credit bureau 's that the date of last payment is reporting inaccurately it ' reporting : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX XXXX. I also notified the furnisher directly on XX/XX/XXXX of the inaccuracy that remains on my report inaccurately reporting. I also filed a XXXX  complaint on XX/XX/XXXX which still remains unanswered. Last but not least the account is reporting conflicting activity after the account has closed how can I be paid on time and charged off at the same time? Clearly this account is reporting inaccurately.