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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX XXXX XXXX XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX XXXX XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting late payment on my credit report for the month of XX/XX/2021. THis is inaccurate. I've reached out to them XX/XX/2021 disputing this but no response or action to remove this has been taken.
Product: Debt collection

Received call from unknown number this morning at XXXX. Left voicemail stating " I am a processor. You are scheduled to be served at your place of employment Friday XX/XX/XXXX. If you have further questions reach plaintive 's office directly at XXXX. You have been notified. '' Called number where another person answered with " XXXX XXXX '' & placed me on hold. When they returned they informed me that this was a collections regarding a Bank of America credit card from XXXX with unpaid balance of {$5700.00} & legal fees of {$2200.00}. Debt was bought by XXXXXXXX XXXX. I do not see any collections on my credit reports. I am unaware of any outstanding credit card debt. I have never been a client of Bank of America. This office appears to have much of my personal information already, last 4 social security, current & previous address, birth year, maiden & married name. They asked me to confirm last 4 & birth year which I did as they are correct & they offered info not I. In hindsight I realize you can not be served by phone. Further research this appears to be a scam. I can not confirm either law office or phone number as legit. " Law office '' identifies as XXXX XXXX XXXX in XXXX XXXX. Now I am concerned that I have confirmed my personal information and someone has stolen my identity. Please advise.
Product: Debt collection

Stated I stayed at their apartment complex I never lived there nor have I resided within that city Im a victim of identity theft Ive tried to communicate with the company but they will not listen I wrote them and called very rude and unprofessional but yet steady report this to my credit report noting I told them I am a victim of identity theft its stated on my credit reports and Im registered with identitytheftXXXX as well
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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear Self Bank, I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) .Account Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXX XXXX  may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps letting XXXX and XXXX XXXX  XXXX report a late payment each month on a charge-offs that are 5-7 years old. I am requesting that these matters be submitted to the Comp. Controller for investigation. There is no payment plans set up or civil judgments. This is an attempt for Experian to keep scores low so that they can get more secondary lenders to partner with them. In addition, I have submitted information to Experian from XXXX showing that there is no bankruptcy and Experian repeats that they are not satisfied with the answer from the people who put it on my credit report.
Product: Bank account or service

On Friday XX/XX/2017 XXXX charged my debit card for {$11.00}. Wells Fargo bank accepted the charge when I only had {$2.00}, I opt out of paying charges when funds are not available. I checked my account this morning and I was charged an NSF fee of {$35.00}. When Wells Fargo Bank allowed the charged to go through with limited funds to cover the charge. I spoke with an rep from WFB explain to the rep that I opt out of all charges being covered while the finds are not available. She stated nothing could be done.
Product: Student loan

After speaking with everyone at Student Assistance Offices including the Federal Ombudsman at the Department of Education, I am advised to contact this office. I do need your help. Despite being eligible for public service loan forgiveness and having paid my student loans faithfully for over 10 years ( since XX/XX/XXXX ), I am told I am disqualified because of the kind of federal loan I hadand had never been advised otherwise by Navient or by XXXX College. I recently changed over to a federal Direct Service loan but at this rate would be paying it until I am XXXX!! 

As you know in XXXX XXXX, salaries are not equal to what lawyer or XXXX   grads make, even from XXXX XXXX XXXX. And XXXX XXXX employees do not benefit as some other professions do from wealthy employees contributing to or paying student loans in total for employees. 
In XX/XX/XXXX after working since XX/XX/XXXX in XXXX XXXX, I joined the XXXX   of the first XXXX XXXX of XXXX XXXX in Massachusetts, at XXXX XXXX XXXX, in order to XXXX  what I had learned in many years of practice. In order to stay on the XXXX, I was required to earn my XXXX  and did so from XXXX College XXXX School XXXX XXXX XXXX, completing in XX/XX/XXXX. In so doing, I incurred Educational Loans which I was told would be partly forgiven due to my commitment to XXXX  in a XXXX XXXX that serves low income students. 
After paying faithfully toward loan repayment, the legislation finally got passed 2 years ago for those XXXX  in XXXX XXXX XXXX to qualify for loan forgiveness if they had XXXX  in XXXX XXXX and paid loans for 10 years. However, what we were NOT told at the time we incurred loans and what was apparently not known until the legislation was passed was that only those who had a certain kind of loan- Direct Consolidation Loan- would be forgiven. I applied for loan forgiveness- having already paid the required 10 years to qualify for it- and was told I had the wrong kind of loan and would have to switch over and pay another 10 years. 
By now- at XXXX years old- I am about to retire. I have followed their advice and switched my loan to a Direct Consolidation Loan and see attachedand have been told I would have to pay 10 more years on this loan to be considered for loan forgiveness. This means with additional interest that they have attached, I would be paying $ XXXXmonthly up until XX/XX/XXXX! That would be my XXXX birthday.
Product: Mortgage

NationStar Mortgage ( XXXX Mr. Cooper ) has unfairly and unnecessarily damaged my credit score ( which was previously " Excellent '' and close to XXXX ) as a result of receiving federal loan forbearance and subsequent Payment Deferral. They have caused my credit score to drop XXXX points. This is unnecessary and overly punitive for borrowers already in financial distress. 

The " late payments '' reported by NationStar Mortgage were in fact part of a Fannie Mae federally-approved Loan Forbearance and Payment Deferral program. I was in full communication with the lender throughout my financial hardship ( unexpected loss of a job ), and followed all of their processes and rules. I have never found a mortgage company so difficult to work with. 

I am a college educated person, but even so, have struggled to navigate Mr. Cooper 's deliberately obuse processes, and have been given misinformation and contradictory information almost every time I have called their Customer Service line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today which is XX/XX/2022 in called Transunion XXXX. I spoken with someone and i informed them of inquiries on my report that i did not authorize which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask them to show me a signature or any signed document that i authorized these inquiries and told them since i did not authorize them they legally have to be removed. I was told they could not be removed. I know that everything in my report has to be 100 % accurate according to the FCRA and these inquiries are not
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information reported on my credit reports by TransUnion, XXXX, and XXXX. The accounts in question are both with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ) I am requesting that the CFPB facilitate an investigation into the following discrepancies and ensure that the credit reporting agencies correct the information as required under 15 USC 1681I ( Fair Credit Reporting Act ), 15 USC 1666b, and 15 USC 1681s-2.

Disputed Information for Both Accounts : Date Closed The reported closure dates appear to be inaccurate. 
Payment History The reports list late payments that I dispute, as I have documentation confirming that all payments were made on time during the stated periods. 
Charge-Off Status Both accounts are listed as charged off, but I have not received sufficient documentation supporting these claims.

Legal References for Dispute : 15 USC 1666b This law mandates that accurate information be reported, especially in regard to charges, payments, and any adjustments.

15 USC 1681I Under the Fair Credit Reporting Act, I am requesting a thorough investigation and correction of the disputed information within 30 days.

15 USC 1681s-2 I am also requesting that the creditors provide valid statements confirming compliance with the law regarding accurate and complete reporting to credit bureaus.

Additionally, I believe both accounts may have been reported as forgiven or written off. Please provide the 1099-C form ( s ) for these accounts, as it is critical for verifying their proper handling and reporting under tax and credit regulations. 

I request that the CFPB forward this dispute to TransUnion, XXXX, and XXXX and assist in ensuring that these credit bureaus investigate and resolve these matters according to the applicable laws. Please notify me when action has been taken and provide confirmation that the necessary corrections have been made to my credit reports. 

I have attached supporting documents to help with the investigation. 

Thank you for your assistance in resolving these matters. I look forward to receiving confirmation of the investigation 's results and any actions taken. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Pp ( Block.Inc. ) due to inadequate Customer service and unfair practices, Which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take Timely and effective measures to prevent And address fraud on their platform, Leaving my account vulnerable and unprotected. Their dispute process is unfair And deceptive. They did not comply with error resolution requirements Under the electronic fund transfer act ( EFTA ), and regulation E. These actions have caused significant financial loss and inconvenience. I seek appropriate compensation and reimbursement.
Product: Vehicle loan or lease

In XXXX of 2020 I completed a refinance with rateGenius Loan Services , Inc. and I was told the new note holder is XXXX XXXX XXXX when I had to renew my DMV registration I was unable to because they had not paid and completed the title work process DMV keeps sending me emails of the required documentation missing and I keep sending it rateGenius Loan Services , Inc. they have not resolve this and I am scared of getting pulled over need to fix this
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed XXXX emails confirming a purchase made through XXXX on my chase visa. The XXXX items priced {$170.00}, {$180.00} and {$160.00}. I immediately went to my XXXX account and had XXXX messages dated XX/XX/XXXX ( the date of the XXXX purchases ) stating that " We temporarily reset your XXXX password and secret questions because we believe that your XXXX password and username, or your email address and password, were used without your permission. '' I contacted XXXX and was told that the purchases looked familiar to them as a " scam '' that they have seen before. On XX/XX/XXXX I had a message from XXXX that someone had accessed my account located in the XXXX, XXXX area. I live in XXXX, XXXX and am employed as a XXXX and was XXXX in XXXX on XX/XX/XXXX. I then contacted chase and was advised to close my card and have a new card issued which I did. I opened a fraud claim and within a day or XXXX the XXXX charges were removed from my account. Then on XX/XX/XXXX I checked my chase card account via my app and saw these exact charges had reappeared on XX/XX/XXXX. I immediately phoned chase and the customer service rep said that he could see the original date the charges appeared and were removed and thought something must be wrong and connected me to fraud recovery. The fraud recovery department informed me that the charges were back because my claim had been denied. When I made the original fraud claim I was never told to submit any supporting information or I would have attached all of the messages from XXXX regarding my account being used by someone else. They said I could appeal so I did and at that time I emailed copies of messages from XXXX but have just received a letter my appeal has been denied.
Product: Credit reporting or other personal consumer reports

This is my third formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX. Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 
XXXX XXXX XXXX
Product: Debt collection

I noticed a debt I had with an apartment complex I was working on paying off had been sent into collections due to a payment that was sent back. I had XXXX knowledge of this until I got a derogatory mark on my credit. 

I contacted the collection agency, Pro collect, to consolidate but they were asking for an amount I never owed initially. 

I proceeded to contact the apartment complex about this and they explained to me that the collection agency is reporting the wrong information about the amount I actually owe. a notice was sent to update the account with correct information. 

The debt is also joint with someone who has no relation to the situation as well. 

I contacted the collection agency to update them with my information and to let them know that their client has reached out to them. 

The agents I spoke with refused to listen to me and refused to assist me in solving this issue and demanded I pay them an outrageous amount. they proceeded to threaten me by saying if I did not pay by XX/XX/year> they would put me down as a refusal to pay and that serious actions would follow if I did not comply. they were very rude and unhelpful. 

They are reporting to the credit unions entirely false information which is harming my credit and my ability to apply for credit. 

This very illegal. 

I just wish to get this matter resolved professionally and correctly.
Product: Debt collection

I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Student loan

I have been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i am filing a complaint for error on my credit report from Transunion, XXXX, XXXX so i want the items removed and deleted from my report or verified.