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

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX  has filed bankruptcy. I was in the middle of treatment with my aligners. I am unable to complete my treatment due to issues with my aligners. Health Finance Direct is taking payments from my account still and threatening to send my account to collections if I don't continue to make payments.
Product: Credit reporting or other personal consumer reports

1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal credit union has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every XXXX weeks until i lost my job. XXXX days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX navy federal reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never XXXX days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information .She told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.
Product: Credit card

I have been notified that my capital one credit card has been closed after missing one payment. This is also just after I filed a complaint here about this credit card account. I feel as though the company is retaliating for my filing a complaint
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account Number : XXXX High Balance : {$4200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Credit XXXX XXXX {$4000.00} Two-Year Payment History : Late payments reported as 60 days late in XXXX, 90 days in XXXX, and 120 days in XX/XX/XXXX. These reports are inconsistent with my payment records, which indicate timely payments during these months. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by XXXX XXXX XXXX XXXX ( b ). 
Non-compliance with the investigative procedures outlined in XXXX XXXX XXXX XXXX, requiring reinvestigation of disputed information within 30 days. 
Reporting inaccurate information violates XXXX XXXX XXXX XXXX, which prohibits furnishing inaccurate or incomplete information to credit reporting agencies. 
TILA Violations : Inconsistent and late reporting violates XXXX XXXX XXXX XXXX, requiring timely disclosure of billing statements. 
Failure to provide accurate payment information in compliance with XXXX XXXX XXXX XXXX ( b ). 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2500.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorize. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Nave Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed a dispute with XXXX on XX/XX/XXXX regarding student loan company AES/PHEAA falsely reporting payments being made to them. The last payment made to AES/PHEAA for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to XXXX that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. XXXX completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XXXX. Furthermore, XXXX has allowed this loan to be reported a second time on my credit report under PHEAA but the same account number see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity/XXXX XXXX has placed some inaccuracies on my credit profile. They have placed a {$45.00} increase on my balance when I have not used the card in over a year and they have placed a recent late payment when I have not been late. I've spoke to 3 different reps and I've heard 3 different things.
Product: Debt collection

I defaulted on a business loan in 2022 and was unable to restart payments due to a significant loss and income and having a large amount of money stolen. I received a Team 's message from my employer yesterday, " XXXX XXXX, XXXX. Pre-litigation complaint. Asking for a call back regarding you personally. XXXX ext XXXX. '' This was concerning to my employer because we are in healthcare and I was forced to disclose that this is regarding a personal debt and not a HIPAA violation or other concern that would impact the company. The collector did not reach out to me personally or provide any written correspondence regarding the debt, but rather chose to communicate directly with my place of employment. 
During my conversation with the individual, she used inappropriate terms were used, such as me being sued for " theft of services, '' which refers to a crime that can be punishable by jail time. I defaulted on a {$50000.00} loan, of which I have paid back over {$30000.00}. I believe this language was purposely used to intimidate me.
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. 

XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}
Product: Debt collection

Transworld System Inc has contacted me three times, once at home and twice at work. All three times I have informed them that I paid XXXXXXXX XXXX XXXX and they keep telling me it is not paid. 

The amount in question is XXXX Dollars. 

XXXX XXXX received it no later than XXXX XXXX, 2017
Product: Debt collection

collection company name XXXX XXXX XXXX account number : XXXX contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I don't recognize this collection this account where open fraudulently I demand proof that original creditor had a permissible purpose under 15 u.s.c 1681b to access or report my information. absent of such proof, I want them to delete this entry immediately from credit report thank you.
Product: Debt collection

the account was part of a bk XXXX and the original creditor has sent it to 6 collection agency at different times i have notified each agency as the appeared on my credit
Product: Checking or savings account

Started to chime account XX/XX/22 was direct deposits every month for my XXXX XXXX XXXX. Started noticing purchases I didn't recognize and withdrawals and transfers. I gave them 15 disputed items which they dismissed within 10 minutes there's no way they could have checked them in 10 minutes to dismiss them. Then I started getting new logins six or seven times a day and my ex-husband started contacting me about money and boosts. Contact chime again and nothing. Finally in XXXX XXXX and XXXX the purchases were outrageous- transfers from chime from my checking to credit builders- withdrawals I didn't make & I noticed it said transfer from car to card from XXXX XXXX and XXXX was my account so I shouldn't have said that at all and it never did before. I'm holding chime responsible because they didn't keep my money safe and they should have known what was going on because not only did I alert them but you could see it and what they were writing and the transfer amounts between my ex-husband and the amount that we're transferred & that was withdrew from my accounts. XXXX no way helped then and is not helping now is hindering me from proving anything because I can't get into my account yet the person that took the money out of my account must have got in pretty easy and my password was changed on a regular basis over and over again sometimes two or three times a day. Also all the money that was spent on my credit builders wasn't being credited to me that's another red flag for time they shouldn't be in business at all.
Product: Credit card or prepaid card

On XX/XX/22, I ordered 11 items from XXXX  XXXX totaling up to {$390.00} ( order number XXXX ) On XX/XX/22, per XXXX  Tracking XXXX, I was suppose to receive 8 out of the 11 items. When the package arrived, the items listed were incorrect. They were female clothing. None of the XXXX items were there. I called XXXX XXXX to let them know I did not receive the correct items. The XXXX XXXX rep said she would provide a return label so I can get a refund back for the items I did not receive in the amount of {$280.00}. She then re-ordered the 8 items per order number XXXX. The incorrect returned items arrived to XXXX XXXX on XX/XX/22. Instead of a full refund as promised, I received {$89.00}. I am still missing the {$190.00}. I have called several times and they keep saying It will get looked at but no one seems to care.
Product: Credit card or prepaid card

I paid my balance ofXX/XX/XXXXor XX/XX/XXXXwith capital one of XXXX.xx with my XXXX XXXX   XXXX account. A week or so later I paid XXXX.xx with the same savings account. I attempted to pay with the same account XXXX about a week or so later and it returned not for insufficient funds. I thought maybe s mistake on someones end so I scheduled a XXXX payment and called my bank to see why it didnt clear. They advised me I could no longer make payments through my savings account. I called capital one immediately to notify them my payment would return. The rep said I would be ok just make payment with checking account. Once payment returned I made XXXX payment with my capital one bank account. They closed my account. I spoke to supervisors who said the problem would be corrected and got a manager XXXX who said I had 5 returned payments in my almost 3 years but I have never been late on this card. I explained the last two were not of my knowledge and I dont recall 5 total. I looked on my account it was four including the two that were beyond my control. I asked to speak to her boss or she needs to email her boss to contact me. First she said she couldnt and they were s big company and I pestered her so mich she claims she did I filed a XXXX COMPLAINT and XXXX an executive called me when I was sleep and I have called her multiple times and left messages as she instructed me to do and I get no response. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXX XXXX XXXX   USDOE/XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT. OF EDUCATIO US DEPT OF ED/XXXXXXXX XXXX XXXX   USDOE/XXXX
Product: Credit card

To Whom It May Concern : I am writing to formally lodge a complaint against Bank of America regarding their failure to provide a promised {$100.00} statement credit as part of a promotional offer for the XXXX XXXX XXXX XXXX XXXX XXXX. 

Details of the Offer : The promotional offer, as detailed in the attached screenshot, promised a {$100.00} statement credit, XXXX bonus miles, and up to XXXXXXXX XXXX XXXX  upon meeting certain criteria. Specifically, the {$100.00} statement credit was to be applied after making {$2000.00} or more in purchases within the first 90 days of account opening. 

Issue Description : I have adhered to all the terms and conditions of the offer : XXXX. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX within the promotional period. 
XXXX. I made purchases exceeding {$2000.00} within the first XXXX  days of account opening. 

While I have received the XXXX bonus miles and the XXXX  XXXX  as promised, the {$100.00} statement credit has not been applied to my account. 

Attempts to Resolve : I have made multiple attempts to resolve this issue directly with Bank of America : XXXX. I have called customer service numerous times. 
XXXX. Each call results in a reference number being provided. 
XXXX. After each call, I receive a letter via mail instructing me to call customer service again. 

Despite these repeated efforts, there has been no resolution, and I continue to be caught in a cycle of contacting customer service with no satisfactory outcome. 

Impact : The failure of Bank of America to honor their promotional offer has caused significant frustration and inconvenience. The lack of resolution and the repetitive nature of the responses from customer service are unacceptable and have eroded my trust in the bank. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX of 2006, we refinanced our loan with Ditech, which became Greentree, and now is back to Ditech. In the course of the loan process there was a " Quit Claim Deed '' that had been signed and notarized to remove our son off the title. He is not listed on the mortgage. Ditech or the title company did not record the " Quit Claim Deed '' from what we can tell. It is in our copy of the loan documents, but is not a recorded copy. We have contacted Ditech, and they sent us a copy of the " Quit Claim Deed '', and now claim they do not have it and will not look into the situation further. We believe they know a mistake has been made because it was not recorded. My husband has died and we will be selling the house, however, my husband 's son will not sign the paper again. So I am trying to get someone to look at the original documents for the notarized copy and see if it was recorded as we have not been able to find it through the XXXX records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX app showing my XXXX score of XXXX, possible reason affecting the score is high revolving account balance and number of delinquency. However on XX/XX/2021 Equifax website showing my XXXX score of XXXX. Contacted XXXX Bank for resolution, XXXX Bank refuse to make any changes and reason being they show score they received from Equifax. Equifax unable to make any changed because the credit report with Equifax is correct and ask me to contact XXXX. I'm being pushed around with both parties blame each other instead of fixing the problem. Somehow somewhere Equifax gave XXXX Bank someone else 's credit report/score and is attached to my XXXX Credit card Account.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  XXXX of inquiry : XX/XX/year>.