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

On XX/XX/XXXX I asked Experian to investigate the payment history on the Us Department of Education Loans that are showing up on my credit report, I have been making on time payments on the student loan accounts since XX/XX/XXXX, I was enrolled in the student loan rehabilitation program. I made 9 consecutive payments to get out of default. The loans have since been transferred & bought by XXXX  XXXX, therefore they are not 180 days late as of XXXX. Please correct this. None of those payments are showing on my Experian report. In fact when they updated the report The student loans show that i'm 180 days late as of XX/XX/XXXX which is false and 100 % inaccurate and has caused my scores to drop 87 points which has hindered me from obtaining new credit. Please investigate and correct this. Also Experian needs to provide evidence of a true investigation and I need to know what information was used to obtain the information collected during their supposed investigation to come to their conclusion.
Product: Debt collection

Bringing to your attention a significant discrepancy regarding my account with the U.S. Department of Education.

As per my bankruptcy filing in XXXX, this account has been legally discharged, and it has been closed since XX/XX/XXXX. However, I recently discovered that the account is still being reported as open, and there have been alleged missed payments, which is entirely inaccurate. I have taken the necessary steps to dispute this error with Experian, and despite my efforts, the account has been verified incorrectly, which not only misrepresents my financial situation but also goes against the Fair Credit Reporting Act ( FCRA ). I kindly request your immediate attention to rectify this matter as it is affecting my credit report and financial standing unfairly. I am willing to provide any documentation necessary to support my claim and expedite the resolution process.
Thank you for your prompt attention to this matter. I look forward to a swift and favorable resolution.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to XXXX, XXXX and Experian. I need this loan to report XXXX on my credit report as soon as possible.
Product: Mortgage

From approximately XX/XX/XXXX, to XX/XX/XXXX, I submitted HAMP loan modification paperwork again and again-wrongfully denied the HAMP loan modification each time! The loan was given to XXXX XXXX   which was taken over by the notorious foreclosure king ( XXXX XXXX, CEO, " Foreclosure King '' ), OneWest Bank! OneWest Bank   continued to pretend that they are really interested in modifying my mortgage under HAMP guidelines but cheated me out of the HAMP modification over and over again! XXXX XXXX, a loan modification agent of XXXX/OneWest Bank, denied me, once again, the HAMP loan modification on XX/XX/XXXX! He stated that the property was not " owner occupied! '' He said that OneWest/XXXX XXXX came to this conclusion and is denying my loan modification because the " sent somebody to knock on the d oor and nobody answered! '' How is that fair!!?? OneWest/XXXX XXXX made no appontment with me, dropped by whenever they felt like it, knocked on the door, and then left. OneWest/XXXX XXXX said that nobody answered the door and therefore the home is not owner occupied!! Do you see the blatant deceipt and lie that Onewest/XXXX XXXX  used on me??!! They kept playing these horribly fraudulent tricks on me because they never wanted to give me a HAMP loan modification at all. They were deceitful liars all the way through! I was in loan modification with them on XX/XX/XXXX. They dis not care. They foreclosed on my home on XX/XX/XXXX,  forcing me to find another place to live! They stole my property from under my nose without paying any attention to the HAMP loan modification that was sent to them and because they were pretending and lying all the way through. Again, they had no intention of giving me a HAMP loan modification. They wanted to foreclose from the very beginning of the process and steal the property from me! I am very upset, as a hard-working, XXXX American citizen, and I am outraged that OneWest? XXXX XXXX were able to abuse me in grand theft property and home! I did everyhthing properly to modify my loan under HAMP guidelines and both XXXX XXXX and Onewest Banks did  everything improperly to frustrate me, pray for me to go away and give up the HAMP process, and ultimately steal and foreclose on my home, my property. This is why OneWest Bank is known as the " Foreclosure King! '' Please, for the love of justice and America, please bring me justice from this extremely crooked bank!
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> received collection phone call and I advised I'll contact when I have the payment and the individual who works for the company was rude and harassed me by stating that is a problem because the loan company didn't have that problem when issuing the loan and I need to pay my last due not only do they call 3-4 times a day they show up to my residence or work place even if I make communication with them and advise them of the hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 AXXXX Cloarly states that 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. 
15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

On XXXX, I went to the XXXX, CA Bank of America ( BofA ) ATM to deposit a {$100.00} bill into my checking account. Unfortunately, the ATM would not accept the {$100.00} bill, therefore, I had made the deposit utilizing a bank teller. As I was waiting in line, I suddenly noticed an {$800.00} ATM withdrawal on my BofA phone app. Immediately, I notified the bank teller of this unauthorized ATM withdrawal as I was depositing the {$100.00}. The bank teller then instructed me to call BofA and make a claim of the unauthorized ATM withdrawal. Moreover, I requested to see the video of the ATM machine in order to find out if there were anyone who illegally used my ATM card information ; I was denied the opportunity to review any videotaping. After making my claim, BofA disappointedly denied my claim via mail ; BofA included pictures of only me at the ATM as I was trying to initially deposited the mentioned {$100.00}. I called BofA Security and pleaded with representative to let me review the ATM video, but to no avail. The BofA representative issued me canned answers to my now closed claim and highly recommended that I provide evidence to open my unauthorized {$800.00} ATM withdrawal again. I believe BofA should have activities/evidence showing my unsuccessful attempt at depositing {$100.00} at the ATM, then proceeding to the bank teller to successfully deposit {$100.00} as an unauthorized ATM withdrawal of {$800.00} occurred using my information.
Product: Debt collection

The companies mentioned below have illegally bought my personal information including SSN, date of birth and address from original creditor illegally without my consent, Violating U.S.C. 1681 ( b ) ; in addition they have practiced deceptive and threatening methods illegally using false and fake documentation and illegal threats, also violating U S.C. 45 ( 5 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Credit Control llc saying i owe them a debt. please provide a certificate of indebtedness showing i owe credit control llc a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and Credit Control LLC is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Product: Student loan

I requested a refund of student loan payments made during a forbearance period in the fall. This would be payments of {$450.00} in XXXX and XXXX, total sum of {$910.00}. Per the Biden administration, I am legally entitled to the money I paid. I called in early XXXX, and Mohela confirmed that they would refund the money. I have yet to receive the money. I have called at least XXXX times ( for a total of eight+ hours on the phone ). They stated the refund was sent to my bank in early XXXX. I confirmed with my bank that no such payment was received. When they have attempted to transfer me to somebody to help solve this issue, I have been disconnected twice. I am wasting my precious time dealing with these incompetent fools. Please, help me force them to refund the money I am legally entitled to. If it will help, I can execute an affidavit attesting to the fact I never received the money owed. Thanks.
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 15 USC 1681. 

XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Docuprep Xpress has been getting money from me monthly, they say they will help me with student loan forgiveness but I'm not sure that this company will actually do that. They had me pay fees at the beginning and said that once a year someone would help me through a reapplication process but nobody has gotten ahold of me, and it has been about two years. Please help me! I'm not sure if this company is legitimate!
Product: Credit reporting or other personal consumer reports

Company ; XXXX XXXX XXXX Ive reached out multiple times requesting information every time I reach out the company sends court papers, this debt is 7 years old according to North Carolina state law a debt can not be collected on if written off or 3 years old this account is both! If I reach out the company uses there lawyers to bully me
Product: Student loan

1. On or about XX/XX/XXXX Sallie Mae Bank agreed for the loan mentioned above ( amount {$10000.00} ) and decided an interest rate of 10.875 %. This violates the Mass Gen Law Chapter 93A, Section 9 in terms of charging a consumer higher rates than the market, published or advertised price. 
2. On or about the last week of XX/XX/XXXX, we contacted Sallie Mae where the balance of the loan went up to about {$16000.00}, and we suggested to pay the whole balance in four payments over 4 years, each payment {$4000.00}, starting from the beginning of XX/XX/XXXX, and to stop or freeze the interest, and they agreed. However, when we checked the balance in XX/XX/XXXX, we found an additional interest of about {$1400.00}. When we contacted the manager, Mrs. XXXX, on XX/XX/XXXX, she said that these agents, who agreed for this, are the third party and we dont consider their statements. This violates the Consumer Protection Law since the business does not meet its warranty agreement. 
3. In all times Sallie Mae fails to tell us relevant information regarding this loan ; and we never received any letter concerning the status of the loan ; even after contacting Mrs. XXXX when she said that she is going to send a letter with all the information. This action violates the Consumer Protection Law.
Product: Vehicle loan or lease

On XX/XX/XXXX, I was involved in a total loss accident in a vehicle that I purchased using the lender XXXX XXXX. Approximately 6-8 weeks later, my insurance company at the time ( XXXX ), along with my GAP insurance company ( XXXX ) paid this lender the amount remaining on the loan balance! The auto finance company then claimed that I still owed them an amount of about {$2600.00} for late fees. This is incorrect as in XX/XX/XXXX I had paid them up to date on the amount I was behind which was only a few months and everything was current. Now since they have continued to deny that this {$35000.00} loan was not paid in full, they have continued to add late fees, interest and anything else possible to run up this tab on a vehicle that's in the junkyard. They have forwarded it as a charge off and the amount has rose to about {$6500.00} and continues to climb. I have done every thing in my power to resolve this but its not right that I am continuing to be affected by this. They report to the 3 credit Bureau 's every month that I'm late on my payment and it is causing me a real struggle to keep my credit score from crumbling. Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of XXXX one is XXXX XXXX and the other is XXXX XXXX I have been disputing XXXX XXXX since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the XXXX because they must notate the account within XXXX days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place between myself and XXXX XXXX  and XXXX XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, thank you.
Product: Checking or savings account

I am writing to formally file a complaint against USAA Bank regarding their practice of charging overdraft fees. Over the past 11 months, I have been charged a fee of {$29.00} each time my accounts were overdrawn. I would like to bring to your attention that a law was enacted by President Biden, which prohibits banks from imposing overdraft fees. It is my belief that USAA Bank is in violation of the law, as they continue to charge me these fees amount to {$1000.00} despite the legislation aimed at protecting consumers like myself. I respectfully request that USAA Bank refund all overdraft fees charged over the last 11 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX  XXXX XXXX , and XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

uploaded a letter XX/XX/22 to hyundai fin they violated my rights and they remove the account from my consumer report but now hyundai capital americ is reporting the same account to my consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a packet of information in the mail from UpGrade - account information, pin, debit cards. Never activated them. Called UpGrade to ask them to close this account. It is a line of credit. They farmed this out to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) - I live in Illinois. Called them ... they sent me several letters saying that I had tried to change the PIN ( first red flag ) and then a statement show that an ACH payment to a routing number at XXXXXXXX XXXX in XXXX, PA I then received a letter from them stateing they had terminated the account to to improper account activity. UpGrade continues to send me statements, which are seriously past due. I have had no luck with UpGrade closing this account. It is now on my credit report and show a balance of {$7000.00}. My bank will vouch for the fact that I have never received this money. I have had a freeze on my credit for the past two years so this company never checked my credit before issuing this line of credit to who ever used my name, address, and email address. I now have a fraud alert on the three credit bureaus. I filed a dispute but this week XXXX sent me a letter saying that UpGrade is saying it is mine. I need help getting this off and getting UpGrade to close this account and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. 

The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. 

I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. 

I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.