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

I am writing to formally file a complaint regarding inaccurate and misleading information being reported on my credit report by Experian. Specifically, I am addressing issues with a XXXX XXXX  account that is reporting in violation of credit reporting regulations. The following inaccuracies are causing significant harm to my credit score, and I am requesting immediate action to correct or remove these entries. 

XXXX. Re-aged Account The XXXX XXXX  account is being reported with a re-aged date, which is a violation of credit reporting standards. This account should reflect its original date of delinquency and not a re-aged or altered date. This deliberate misrepresentation is harmful to my credit profile, and I demand the immediate removal of the re-aged date. 

XXXX. Balance on Closed Account The XXXXXXXX XXXX  account is also showing a balance despite being closed. A closed account should not reflect any outstanding balance. This inaccurate information is misleading and must be corrected immediately by removing the balance reported on this account. 

XXXX. Account Showing as Over the Limit The same account is incorrectly reporting as over the credit limit, despite being closed. A closed account should not be subject to over-limit reporting, and this misrepresentation of the accounts status is not only misleading but also unlawful. 

These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. The continued presence of these errors is damaging my credit score and may have broader implications on my financial well-being. 

I request that Experian immediately investigate and correct the reporting of this XXXXXXXX XXXX account. The re-aged date must be removed, the balance on the closed account must be eliminated, and the over-limit status must be corrected to accurately reflect the closed status of the account. If Experian is unable to correct these inaccuracies, I request that they be removed entirely from my credit report. 

Please acknowledge receipt of this complaint and confirm the actions taken to resolve these issues. I trust that the CFPB will assist in ensuring that my credit report accurately reflects my financial history and that these discrepancies are resolved promptly. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Product: Mortgage

I applied for a new loan through Rocket Mortgage and uploaded a lot of personal financial information to their website. I experienced difficulty working with the lender, including a non-responsive mortgage point of contact and unwanted solicitations, and decided to work with another lender instead. I contacted Rocket Mortgage to delete data, including my bank account statements, W2s, and other personal information, from my account and they refused. This is a completely unacceptable response and gross abuse of consumer privacy protections.
Product: Debt or credit management

Not investigating deeper into disputes and forcing me to keep derogatory marks without validation
Product: Student loan

I took out a loan back in    XX/XX/XXXX    with  XXXX   XXXX  to attend classes for my  XXXX   XXXX  at  XXXX .  In  XX/XX/XXXX  I  had a baby and gained a Military fiance ' so needed to put school off due to not able to juggle, baby, working full time and Military man. I called in to  XXXX   XXXX  around   XX/XX/XXXX  to figure out what to do with my loans. I was told I need to pay ov er 1,000 a  month on my loans until paid in full. I advised  XXXX   XXXX  there is no way I can afford this being a single mother with   XXXX   kids. The only option they had for me was to put my loans in forbearance until I could afford the payments. Well my loans pretty much sat there until I had no forbearance left as I never have been able to affo rd over 1000 a mo nth. I received a phone call from Navient who took over my loans from  XXXX   XXXX  stating I was past due. My forbearance had run out. I found out about a lawsuit at this time that allows you to go on a monthly payment based on your pay, the income driven repayment plan. After a lot of headaches and back and forth with Navient, I finally got my payments down to  XXXX  a month. In   XX/XX/XXXX , my year was up and needed to resubmit my proof of income. Since once child turn ed  XXXX  and my pay went up a tad, I now am being told I have to pay  XXXX  a month. I asked if there was anything else I can do because I want to pay, just ca n't afford  XXXX  a month. I feel this loan has continued to grow as it is from the amount I originally took out, I ca n't afford much and the loan is never going away. I feel I was forced into forbearance and find I may have and still may qualify for some kind of assistance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX XXXX Date XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA XXXX XXXX ( a ) ( XXXX ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer. 

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal. 
I am demanding that you : XXXX. Immediately remove this account from all credit reporting agencies. 

XXXX. Provide written confirmation of the accounts deletion within XXXX days. 
Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees. 

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report. 

You have XXXX  days to comply with this demand.
Product: Checking or savings account

I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " National credit systems '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

I submitted a new, XXXX  application to change from XXXX to XXXX, beginning XX/XX/year> and multiple times in XX/XX/year>. MOHELA deleted from their website that I submitted these documents, under their " Documents you sent to us. '' Since XX/XX/year>, I emailed MOHELA several times to confirm receipt of my XXXX application and to date have not processed the XXXX application. I submitted XXXX complaints to XXXX regarding this matter, most recently XX/XX/year>. 

MOHELA continues to leave me in XXXX and in forbearance, which will not count towards XXXX. The email responses they provided continue to only refer to XXXX  certification, despite the fact I submitted the new application to change to XXXX. I submitted directly to MOHELA 's website. Processing of the XXXX application should not place me in the same forbearance category as XXXX, which will allow for continued XXXX counts during the processing period.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2023 Medical Data Systems furnished an account on my consumer report without my consent without permissible purpose and that is in fact a violation of 15 US Code 1681b, thats a violation and I demand {$1000.00}. Also, the Medical Debt credit Reporting act came to an agreement with the credit agencies that should not be reported to consumer reports if the value is less than {$500.00}. This account was added last week and the settlement went into effect beginning of this year. Remove this from all of my consumer reports. Thank you.
Product: Credit card

On XX/XX/XXXX, my son purchased textbooks from XXXX and XXXX XXXX  and elected to use my Zip payment account to pay for them. On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX notified us that the total cost of the ordered books had increased ( from approximately {$650.00} to approximately {$930.00} ) and asked us to reverify the payment method, and we reconfirmed Zip. Zip placed two charges, one on XX/XX/XXXX in the amount of {$680.00} ( there is a zip fee added to the book total ) and one in the amount of {$940.00} on XX/XX/XXXX on my account for a single purchase in the amount of {$930.00} or so. I have tried contacting both XXXXXXXX XXXX XXXXXXXX and Zip about this issue. Both admit there should only be one charge. XXXXXXXX XXXX XXXXXXXX says that on XX/XX/XXXX, all they did was a pre-authorization, and they only submitted one charge to Zip, on XX/XX/XXXX, and that the first amount should have fallen off, as it was only a pre-authorization. Zip says XXXXXXXX XXXX  XXXX has to refund me for the original charge for them to reverse it. XXXX XXXX XXXX  says they can't reverse a charge they never made. The documentation from XXXXXXXX XXXX XXXXXXXX suggests they are telling the truth and that Zip has simply double-billed me and refuses to correct this. Zip has admitted there should only be XXXX charge, but they refuse to address this issue. In additon to this action, I have urged XXXXXXXX XXXX XXXXXXXX to stop accepting Zip.
Product: Debt collection

I. C. System, Inc account number XXXX, Balance {$480.00}, Date Opened XXXX I.C. System, Inc account number XXXX, Balance {$1700.00} Date Opened XXXX I am unaware of this debt, I didn't have an opportunity to dispute this information. I did not receive proper notification. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it along with my signature stating that i received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX that was charged off and purchased by a collection agency, XXXX XXXX, XXXX. XXXX XXXX contacted me with a settlement offer, allowing me to pay an adjusted amount which would settle the account if I agreed to do so in 4 payments. I agreed and paid off the account. 
After a month went by, I noticed balance of {$740.00} remaining on my credit report. At which point, I contacted XXXX XXXX, they indicated they would submit information to the credit bureaus so the correct balance of {$0.00} would be reflected. They did not. Therefore, I disputed the account, to have the balance to reflect " paid as agreed. '' Today I received a notification from Equifax that the dispute was settled. I immediately checked my credit report and was horrified, my credit had dropped by XXXX points! The XXXX XXXX collection balance was showing {$0.00}. The collection was closed, but score dropped! I immediately contacted Equifax. After having been provided several different numbers to call, I spoke to someone who told me that XXXX XXXX had reported late payments on the account. That is incorrect. I had to pay the account on time otherwise, the arrangement would have been forfeited. I'm not confident in the information Equifax provided. The representative said he would file another dispute of the late payments. I'm not seeing any late payments on the report so I don't know what he's talking about. Even still, paying off a collection and reducing my collection balance should not reduce my score by XXXX points! I did what every lender tells you to do " pay off collections '' and it has hurt me significantly. By reviewing the information that XXXX submitted to Equifax, it is clear to me that Equifax and/or XXXX has made an error. XXXX appears to be saying that I made late payments to them. The late payments were to XXXX XXXX XXXX, which is how they received the account in the first place. It appears that Equifax is impacting my score, twice for the same account! What XXXX is showing as " amounts past due '' is the arrangement that I made with them - not past due payments.
Product: Debt collection

Equifax XXXX/ XXXX is not my account in your report you state verified but looking at there report there is a lot of false or incomplete reporting on this account you have violations on this account.PLEASE REMOVE THIS ACCOUNT IT IS NOT MINE enclosed is the documents that clearly show there is not my account.ya ya ya the regular o it takes 30 days to reply
Product: Credit card or prepaid card

Capital One posted two consecutive late pays to my account in XXXX and XXXX. My account showed no payment due in XXXX and I made ( 3 ) payments to my capital one account in XXXX. I believe capital has not been reasonable. I have had capital one for over four years and this has been the first hiccup ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax continues to practice delay tactics instead of handling the disputes and following FCRA laws. Disputed items XXXX weeks ago and they send a letter rquesting identity documents which is their standard of practice which leads to nothing but harmful delay with the open disputes and investigations. I have provided the information requested. Challenged and disputed items continue to be reported even while flagged to be investigated. 

Furthermore, I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, May presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Chase bank are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by XXXX XXXX  XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from chase bank which that account was sold to XXXX in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to XXXX which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with XXXX and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when chase did it my score dropped 79 points with XXXX  My mortgage now with XXXX is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with XXXX and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed XXXX is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of limitations and chase should not have added that comment in XXXX of XXXX ... and we did not do this with XXXX they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did XXXX add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I follow through with a chapter XXXX bankruptcy. I have attached the documents for proof. Please remove them.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in updating my credit report. Despite my repeated requests, they continue to report an outdated and incorrect address, causing significant harm to my ability to make major financial decisions. 

I have contacted XXXX on XXXX separate occasions, requesting the removal of the incorrect address XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX from my credit report. This address is no longer valid and should be entirely removed. I have also provided them with my correct and current address, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, which should be the only address listed on my report. 

Their continued failure to correct this information violates the following provisions of the FCRA : 15 U.S.C. 1681c ( a ) ( 1 ) - The requirement that consumer reporting agencies maintain accurate and up-to-date information on credit reports. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The obligation to investigate disputed information within 30 days and correct or delete inaccurate or incomplete information. 

15 U.S.C. 1681e ( b ) - The duty of credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

The inaccurate address on my credit report has led to significant challenges, including hindering my ability to move forward with major purchases. This inaccuracy is creating unnecessary barriers to my financial stability, and the credit bureau 's lack of action is both frustrating and harmful. 

I request the CFPBs assistance in enforcing the FCRA and ensuring that my credit report is corrected promptly. I trust that with your intervention, this matter can be resolved swiftly and accurately. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX