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

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

In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report.

I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected.

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

I received a loan XX/XX/2019 in the amount of {$10000.00} and the amount financed is {$10000.00}. I realized what the interest rate is on the loan and decided to cancel the same day. I called the customer service number and was advised I needed to call before XXXX XXXX  Central time in order to cancel. I called XXXX MST. I have searched The website and no where does it mention you have to call before a certain time, the same day in order to cancel. Per your website If your loan has already been funded and you would like to return the funds, you can do so at any time with no prepayment penalties by scheduling a full payoff on your dashboard. Please be aware you will be responsible for interest that accrues on the outstanding principal balance as of the funding date listed on your loan agreement. Per my documents the funding date shows to be XXXX XXXX. I have spoken with different representatives and managers and no one has been able to assist with a resolution which I have been advised that I would have one by XX/XX/2019 which is todays date. I sent all of the funds that were received back as soon as they hit my account which was XX/XX/2019 but I still have the administration fee. Today is the first time that anyone has even provided an email to reach out.I am requesting that funds that are still showing owed, The amount of {$490.00} is waived due to being misinformed and lack of information about the cancellation. Please respond as soon as possible.
Product: Checking or savings account

I opened a business checking account on XX/XX/XXXX at the Wells Fargo branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I supplied all necessary documentation including : Articles of Incorporation for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, EIN letter issued by the IRS, XXXX XXXX XXXX XXXX, and government issued ID. 
On XX/XX/XXXX I ordered business checks totaling {$160.00} for XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I was called by the bank ( XXXX XXXX ) asking to provide additional documentation. I told XXXX that I did not have or require anything beyond what was already provided and listed above. XXXX said he would work it out with his back office. 
On XX/XX/XXXX I received an email that my business checking account balance had gone to zero. I looked at my account online and saw that it was " closed due to XXXX ''. 
I called Wells Fargo 's XXXX numbers and got nowhere. I called the XXXX branch and spoke to XXXX who said I should come in the straighten it out. 
On XX/XX/XXXX I returned to the XXXX branch of Wells Fargo and provided my IRS issued EIN letter with payment coupon for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While there, XXXX checked with his back office to verify that the IRS EIN letter was sufficient for XXXX documentation. XXXX confirmed with back office that this was acceptable and that they would be able to re-open my account within 24 hours. 
The account has not been re-opened as on XX/XX/XXXX. 
When the account was closed, there was a {$38.00} balance that was not returned to me or my company. 
The {$160.00} worth of business checks are worthless.
Product: Checking or savings account

I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!
Product: Checking or savings account

I applied for the XXXX XXXX account from their website. As part of the account opening process, linked and shared the financial information from my XXXX checking account. 
First they sent me 2 emails saying that they need some additional information to confirm my identity and that their agent will call or email me in the next 3-5 business days.

Of course, that doesn't happen. 3 days later they sent me another saying that they have elected not to open an account for me and wishing me luck in search of my banking needs. I guess this is their polite way of saying " **** you ''.

Anyways, the email had no reason or anything for denying the account. My guess is they don't like non-Citizens who are legally in US. I know I shouldn't be imagining things but all my attempts to get any sort of answer from them have proved futile so far. 
Maybe CFPB can help me get some closure on this?
Product: Student loan

I applied for a IBR. While waiting they offered me a deferment. I mailed all required paperwork back in XX/XX/XXXX, as of XX/XX/XXXX, I have not received any information on new loan payment amount. My loan repayment restarts in XX/XX/XXXX but at the old amount not the new loan payment amount. When I called requesting the IBR, Navient informed me my new loan amount would be a little over 300.00 per month. Until I hear from them about new loan amount I have to pay the old amount of XXXX. The reason for requesting an IBR because I can not afford a XXXX dollar a month loan payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, Equifax, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, Transunion and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX
Product: Credit card or prepaid card

I made a payment to them on XX/XX/21. They returned it on XX/XX/21, then they accepted the payment, then charge me a {$25.00} late fee. According to them they having problem with my bank which XXXX. None of my other credit cards are having this problem. This the XXXX time it happen, I think they are doing it on purpose to charge me a late fee.They are ripping me off! I believe they doing this to other people too!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXXXXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX XX/XX/XXXX {$88.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost an entire year, I 've been trying to work with Transunion to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Transunion is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;   XXXX    XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Transunion because this is not the information I receive when I contact these companies individually. For months, Transunion has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Product: Student loan

I received my XXXX degree XX/XX/2016. I am employed as of XX/XX/2016 I am so willing to pay back my private sallie Mae loan monthly via direct deposit but the term of the loan is unbearable to my income ; it is for 8 years at about {$1000.00} per month. ; my total annual salary is {$40000.00} sallie Mae will not extend my loan nor help me. 
I am a single XXXX year old female who will turn XXXX XX/XX/XXXX and I need to pay rent, pay medical, car insurance as well as dental insurance plus gas for my car and utilities. Please tell sallie Mae to lower my monthly payment and extend my loan Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit report that are not mine. These are the companies reporting false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter ( see attachment ) that stated that I may be a victim of fraud. Please take action against any fraudulent activity asap. Thank you
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD XXXX, JPMCB CARD XXXX and JPMCB CARD XXXX
Product: Debt collection

- In XXXX, XXXX I noticed a collection on my credit file I did not recognize from Ability Recovery Services , LLC. 
- On XXXX XXXX, XXXX I requested the collection agency validate that debt or remove from my credit file if they could not validate. I also disputed the debt with the credit bureaus. It was removed from XXXX, but not XXXX. I an not sure of the status on XXXX currently. 
- On XXXX XXXX, XXXX, Ability Recovery Services sent me a settlement offer with no validation or explanation of the debt. 
- On XXXX XXXX, XXXX I again requested validation of the debt or that it be removed from my credit file. 
- On XXXX XXXX, XXXX Ability Recovery Services again sent me a settlement offer with no validation of the debt.
Product: Credit reporting or other personal consumer reports

A few fraudulent inquiries reported to my Transunion account
Product: Student loan

In XX/XX/XXXX I went back to school to get my XXXX degree from the University XXXX. I took out {$35000.00} in astudent loan from XXXX XXXX and {$5000.00} as a Stafford loan. I started paying the loan back in XX/XX/XXXX after I graduated. Over the last 16 years I have never missed a payment - made at least the required payment each month - Often more that the required payment. For the first 8-10 years the payments went to XXXX XXXX then the loan was transferred to XXXX and three years ago it was transferred to Navient. After 16 years of paying an average of $ XXXX/month on a loan at 8.25 % I have paid over {$67000.00} and yet the statement I just received says I still owe over {$21000.00} on the personal loan and {$3300.00} on the Stafford. I do not see how this is possible.
Product: Debt collection

XXXX XXXX Transfinacial Companies XXXX XXXX XXXX. 
XXXX XXXX, La. XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX XXXX XXXX effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Louisiana medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.

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

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I set up automatic bank payments through my bank, and paid two weeks early for the XXXX payment. Rather than credit the month of XXXX, the credit card company credited both payments to XXXX, then called me and said I was late making the XXXX payment. They refused to credit the {$180.00} ( which is well over the minimum amount due ) and said I would need to send them another whole payment for XXXX. I was upset, to put it mildly. The long and the short of it, rather than credit my payment for XXXX, I had to ask them to refund the payment to me and now I will have to send them another payment ( ridiculous ) and have my account show a late payment. They did not tell me that if I paid early my payment would only be credited in the month paid. I want this company censured for their lack of financial astuteness and failure to be consumer friendly. 
This is Comenity Bank credit card XXXX XXXX, Texas Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX