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

I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. 1/2 of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX  and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Product: Debt collection

Received a letter from Citizens bank ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check Citizens stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full XXXX, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXXXXXX XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of XXXX XXXX I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a CPA and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other XXXX  people. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear XXXX Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXX**** is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, Equifax and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX/XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXXXX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Checking or savings account

So I had filed a dispute for a hotel I was staying in to my bank capital one, at which I had provided the photos of mold all over the house making it inhabitable my brother got sick so we left 5 days early, I thought that was more than enough to prove my case nope on the website XXXX XXXX they say its a no refund policy so trying to reason with them over a refund is ridiculous they say no on every turn, make bank then. Asked for multiple documents which no one can provide I told them that the website states no refunds so thats as to why I disputed the transaction I also talked to the merchant they said no, and as of today capital one has put my account negative.
Product: Mortgage

OCWEN : Need I say more? 
They have ruined our lives, our sanity, any quality of life. Upon reading many of the horror stories online, I almost feel fortunate that ours is not worse. Nonetheless, it 's a true downer having them in charge of your life. My husband lives on SS and has a son who is a XXXX who lives in a home that he bought for him in 1990 and spent a ton of money equipping it for him. Now due to their ineptitude, inaccurate accounting, and just plain GREED, the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen, printing, highlighting, pulling my hair out to compile a package to the NY AG ; do n't think I can do it again. Just will keep trying to get the truth out there and ask WHY are these people allowed to remain in business?!? I 'm just so sure you do n't get any more complaints about them after the big settlement. XXXX. Corruption at it 's highest level
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX. Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX  DISPUTE FRAUD DEPT XXXX   XXXX  XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX  XXXX XXXX  XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX  XXXX  | XXXX Under investigation fr om previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX  | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX, XXXX  | Date of Inquiry : XX/XX/XXXX XXXX  XXXX   XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX  XXXX  XXXX  XXXX  Date Reported XX/XX/XXXXDate Assigned XX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). 
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely
Product: Mortgage

I called and requested a loan modification on my FHA loan back in XXXX of XXXX and was denied and told the specific company XXXX  didnt offer loan modifications. I was sent a letter of acceleration today XX/XX/XXXX dated for XX/XX/XXXX stating that in 45 days my loan was to be made current with the {$4500.00} paid otherwise it would be accelerated. I had someone from XXXX contact them stating that I would like to request a loan modification or a partial payment, I was then notified that I couldnt do a loan modification due to my loan being a mortgage revenue bond. The lady from XXXX then requested for a partial payment and was told that one was already approved then after speaking with us for a while we were told I had to send in a third party authorization in order for them to speak with her. We then sent in the third party authorization and were told that they still couldnt speak to us because they hadnt received the third party authorization yet. We will be contacting them again on Tuesday XX/XX/XXXX to find out about getting a partial payment since I have been denied a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. My information was likely impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
Product: Credit reporting or other personal consumer reports

" Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX bank but they would not help me. I have payed this account off and I want it removed from my credit report.
Product: Student loan

I am disputing the XXXX late payment reported on my federal XXXX loan XXXX Heartland ECSI failed to notify me of the loan transfer to the Department of Education, violating federal requirements. My deferment was active during this period, making the late payment reporting inaccurate and unjust. 
As a borrower working hard to rebuild my credit, I am disheartened by Heartland ECSIs actions, which violate several federal and state laws : XXXX. Higher Education Act ( HEA ) : Heartland ECSI failed to provide the required written notice of the loan transfer within the mandated timeframe, denying me the opportunity to address any servicing changes. 
XXXX. Fair Credit Reporting Act ( FCRA ) : Reporting a XXXX late payment during an active deferment period constitutes inaccurate reporting, which is prohibited under the FCRA. Additionally, any failure to properly investigate this dispute would further violate the FCRA. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : If Heartland ECSI attempted to collect payments or assess penalties during my deferment period, it constitutes an unfair and deceptive practice under the FDCPA. 
XXXX. State Consumer Protection Laws : These actions may also violate state laws designed to protect consumers from unfair and deceptive practices, such as misrepresentation of loan terms or amounts owed. 
XXXX. Breach of Loan Servicing Agreements : Heartland ECSIs failure to properly manage my deferment and notify me of the loan transfer may breach their contractual obligations as a federal loan servicer. 
Furthermore, Heartland ECSI recently settled a class-action lawsuit ( XXXX XXXX XXXX. v. XXXX XXXX XXXX XXXX XXXX ) for {$3.00} XXXX regarding their unlawful " pay-to-pay '' fees, which demonstrates a concerning pattern of non-compliance that directly affects me. 
I have been working so hard on my credit and was finally on the uptrend until I was BLINDSIDED by a company I am supposed to trust to abide by their laws and regulations. I am ON TIME with all my other federal loans, so how did I happen to be late on these ones from this " company ''. 

Futhermore, I was only notified of this huge change AFTER it happened. According to the department of education, this loan was sold on XX/XX/year>. I was notified AFTER XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.
Product: Debt collection

I recently checked my credit report and noticed there were some unfamiliar accounts being reported.
Product: Credit reporting or other personal consumer reports

This letter serves as my final notice regarding your agencys ongoing failure to comply with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report ; however, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations : Failure to valida

te the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, in violation of 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment under 15 U.S.C. 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, yet the disputed accounts remain on my credit report. These accounts are not only inaccurate but also unauthorized by me. No valid contract exists, and I have never provided written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Debt collection

I did fight it year ago my credi was fix with police report After that XXXX hire out sourcing To collect the same dept Hope to fix it Thanks
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

My credit was ran by a car finance company 16 times I have contacted the credit reporting agencies and they advised me they couldnt assist with removing them and to contact the creditors. I contacted the creditors and they told me to contact the Credit reporting agencies to get removed. They are sending me back and fourth and no one is actually helping me get these unauthorized inquires removed.
Product: Money transfer, virtual currency, or money service

A Wells Fargo bank member stole funds from my international bank account using wire fraud and email phishing. The fraudster hacked into my email and impersonated to be someone who I was about to wire funds to as an investment. As a result I wired the funds ( {$32000.00} ) into the fraudster 's Wells Fargo account ( instead of the investment account I wanted to transfer the funds to ). 

I've filed an online FBI wire fraud report, as well as started a formal wire recall request with my originating bank ( XXXX XXXX ) but after 7 days of Wells Fargo failing to answer to my bank 's formal recall request, XXXX informed me that the recall isn't going to work. So now I'm stuck with the funds stolen and sitting in a Wells Fargo account and Wells Fargo not answering any of my requests to return the stolen funds. 

I've been trying to contact Wells Fargo for over 10 days now over email, phone, twitter and more with no success.
Product: Credit card or prepaid card

On XX/XX/XXXX PNC Busines Bank credit card withdrew {$840.00} from my business checking account without my consent. I called the XXXX ( XXXX ) at XXXX on Saturday to ask why they made the withdrawal from my account, the representative said that I called them on XX/XX/XXXX to set up the payment arrangement. I told her I DID NOT CALL PNC BANK AT ALL. I asked her to check her recordings and tell me when have I made a call to them, she placed me on hold twice and then said well she doesn't have any information and that I would have to call the front end collection to get any further information. 
I did not authorize and no one from my company authorized pnc bank to withdrawal money from my account. My business credit card was revoked and closed in XXXX.
Product: Debt collection

I am disputing the agency pinnacle / XXXX XXXX. The collection agency has re-aged my account according to the original creditors date of first delinquency.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate ''