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

By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There were discrepancies in my credit report, including high credit, scheduled payments, account history, balance, and past due amounts. These inconsistencies need to be reviewed and corrected to ensure accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX I'm employed at XXXX XXXX and XXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account
Product: Credit reporting or other personal consumer reports

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX  charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least one month payment, specifically XX/XX/2023. After proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE XXXX Date Opened XX/XX/15 Balance {$4000.00} Late 30 Days As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.
Product: Debt collection

I just received a collection notice from a collection agency from XXXX XXXX XXXX they are trying to send me to collection for returning a car after they closed, they were closed Sunday and they lady didn't look in their return key slot and in the parking lot because they are next to a XXXX XXXX, they don't have designated mark stalls. 

I have my communication with the agency as well as pictures and my XXXX receipt home and they have camera so they know when I pulled up?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  XXXX -- XXXX # XXXX XXXX # XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation
Product: Credit reporting or other personal consumer reports

TransUnion & XXXX, is in violation of code ( 15 USC 1681B Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that TransUnion & XXXX, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Mortgage

I was notified on XX/XX/XXXX by mail that my escrow account is in the negative and i owed them {$5300.00} also my mortgage would be going up starting XX/XX/XXXX. I called starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX several times to get a explanation on why my account is in the negative and i was told several different things by 2 different supervisors but no one was completely sure, they asked me to send an email to your department at that time i refused because i wanted to talk to someone in person about this matter, i was then told by both supervisors that my concerns were escalated to the escrow department and someone would be contacting me within 5 business days. Today is XX/XX/XXXX and i have not received a answer yet on why my escrow account is in the negative. Today is XX/XX/XXXX and no one has emailed or called me. I was promised by 2 female supervisors and one male supervisor named XXXX that they would personaly call me back and no one has contacted me at all. I will be sending additional complaints to the necessary over seeing authorities. Because they mismanage servicing and are very evasive to their customers by not returning calls with concerns about what they sent to you and not allowing you to speak directly to the necessary department you call them for, And as i looked at complaints on many websites this issue has been going on for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Inaccurate XXXX : XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} EXPERIAN : XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXXL XXXX XXXX  0XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX  XXXX Balance Owed : {$650.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. FCRA 15 U.S.C 1681 Company- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/year> I paid off my car, I issued a check for {$47000.00} it was made effective XX/XX/year> given my bank. I have been waiting for the title since. 

Two months ago, I called them, they asked me for a clear copy back and front of the check, I gave them that, they asked for 5 days to figure it out, I called a month ago, they said to give them 24-48 hours and they would call me. They never did, I called them again today, said the same thing, so I can not even sell the car I paid off a year ago! 
I want the loan to be closed, the title to be sent my way, as soon as possible.
Product: Credit reporting or other personal consumer reports

The following companies refuse to remove the following items off my report as they were opened due to fraud. I have requested removal and blocking time past but they refuse to remove even after I asked for contracts within the XXXX day time span according to FTC law. 
Amounts : XXXX ; XXXX ; XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a loan currently through XXXXXXXX XXXX XXXX that I got during my schooling through XXXX XXXX. I was never aware that I even signed up for this loan until my loans started to come in. From my understanding I only had Federal loans, so I have no idea when this loan even came into being. My current interest rate is far to high and the payments are unreasonable. When the payments started coming in it was a repayment of about {$430.00} at a 16.5 % interest rate. I was unable to afford this, so I tried to defer which was only allowed for 3 months. This did not help me at all, because my income at that time was not enough to juggle that, food, and other necessity for my kids and myself. This means my only option was to allow it to hit my credit because they would not work with me. The payments still remain at {$430.00} even after paying and trying to reduce my payments, my interest rate has now risen to 17 % even with paying my bills on time for the last 6+ months, and my credit is poor due to them hitting it because I was unable to afford the payments before so I am unable to refinance the loan to get lower payments and interest rates through another company. They have made it near impossible for me to be able to actually ever pay back my loan or even stay on top of it so that I can rebuild my credit. I am looking for any sort of help or suggestions I can get on how to move forward so that this is not a constant burden to my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I having been going back and forth as of late with the credit bureaus due to someone impersonating my identity and opening several accounts without my knowledge. This has truly caused a devastating financial impact on my current situation. I have submitted several pieces of correspondence including my identity theft report # XXXX, copy of my driver 's license, utility bill, and social security card. I'm aware of the 30 day time frame alloted under the Fair Credit Reporting Act the bureaus have to to provide accurate verification. The fraudulent account in question is ( Dept of Edu # XXXX ). This is account was established from the direct result of identity theft and should of been blocked within 4 days of XXXX, XXXX, and Equifax of being notified after receiving my identity theft report from the Federal Trade Commission. Equifax has and continues to violate my consumer rights under the Fair Credit Reporting Act in regards to consumers who have been a victim of identity theft per section 609 and 611.I have provided more than the required documentation to support my claim and Equifax should adhere the FCRA laws XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Product: Student loan

I am writing to report an issue I have with EdFinancial ( my student loan servicer ). 

On XX/XX/2023, a payment of {$9000.00} ( confirmation number XXXX ) was made towards what is now marked as Group 4 ( formerly Group E, beginning balance {$62000.00} ) of my student loans. ( Please see payment confirmations for Group 4/Group E attached ; the XX/XX/XXXX payment is on p.4. ) On XX/XX/2023, EdFinancial transferred my information from my old account to my new account on their new servicing system platform, but failed to transfer the {$9000.00} payment from XX/XX/XXXX to my new account. 

I have contacted XXXX Customer Service several times on the phone and via email seeking to get the XX/XX/XXXX payment of {$9000.00} credited to my new account. EdFinancial Customer Service confirmed that the payment of {$9000.00} was authorized on XX/XX/XXXX, and said that it was " taking [ them ] longer [ than expected ] to update '' the accounts impacted by the transfer, including my account. ( Please see email correspondence attached. ) As of XX/XX/2023, my student loans have been paid in full. However, the XX/XX/XXXX {$9000.00} payment has still not been credited to my online account -- six full months after my new EdFinancial online account was created. 

I received an automated letter from EdFinancial on XX/XX/2023 saying that I have an unpaid principal balance of {$9000.00} and estimated interest of {$3100.00} over the life of the loan, and that my first payment will be due on XX/XX/2023. ( Please see letter attached ). I am concerned that EdFinancial will attempt to charge me these amounts, which I do not owe, due to their internal administrative error of not crediting the XX/XX/XXXX payment of {$9000.00} to my account. 

I most recently emailed EdFinancial on Sunday, XX/XX/2023, to notify them that my balance should be updated to {$0.00} as soon as possible, and followed up on Wednesday, XX/XX/2023, attaching the payment confirmations for Group 4/Group E. To date, I still have not received any response from them. In addition, my online account has begun to accrue interest on the {$9000.00} starting from XX/XX/. As of today ( XX/XX/2023 ) my account shows a balance of {$9000.00}. ( Please see screenshot attached. ) Please help me resolve this issue as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX, I received several emails from various wellsfargo.com welcoming me and activating my personal checking account. I did not open this account. I do not bank with Wells Fargo now and never have. When I called their online fraud department i asked how a bank could open an account without a photo of my government-issued state ID, and that based on recent litigation, their XXXX XXXXrogram should be a little tighter. XXXX from the Online Fraud team told me it sounded like I was speaking a foreign language and wasn't aware of what XXXX or the FTC were. While the account is " frozen '', I was told this issue would remain active for at least 45 days before closing. How is this possible??
Product: Mortgage

Hi I am having trouble with my mortgage company not reporting to credit reporting agencies. Ive asked him time after time to please report this to the credit bureaus but they refused to Ive had the same mortgage for 17 years and still they have not reported it to the credit bureaus. Im just wondering if you can help me find forcing them to reported to the credit Burroughs
Product: Credit reporting or other personal consumer reports

to whom it concerns I sent certified letters to the credit collection agencies alerting them that they are reporting bad information and they are reporting incorrect accounts I ask them to delete the inaccurate information and they did not do so, I sent my letters to XXXX, TransUnion, XXXX and they did not respond are delete what I told the to delete in my letters
Product: Credit reporting 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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: Debt collection

My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.