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

The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXX XXXX  XXXX Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly.

Additionally, please send me an updated copy of my credit report once your re-investigation is complete.

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell Transunion and XXXX are also reporting the same error.
Product: Credit card

PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.
Product: Student loan

I was in the XXXX program at XXXX XXXX XXXX XXXX College in Iowa. I had taken out all of the federal loans that I could available to me. The head of the hygiene department recommends you do n't work during the program because it is so difficult. XXXX recommended the Wells Fargo student loan program. I was naive signing up for the loan because I thought I could pay it off quickly after school. I could n't have been more wrong. 

Unfortunately, I was moderately XXXX right out of XXXX school from a bad XXXX who called me by the wrong name then XXXX Not Wells Fargo 's fault but I have been working full time in constant pain making a good income to pay off this student loan. I am struggling to pay it off because the interest on the loan is so high. And I 'm doing that because I want to do what 's right and pay off the amount I borrowed from Wells Fargo. It 's a 30 year loan and the interest rate is 12.24 %. Almost all of the payment goes to the interest on the loan, not the principal. The amortization schedule is crippling. 

I took out {$20000.00} initially. By the time I started repayment after XXXX, I owed $ 27,000+. I 've been paying for 5 years totaling {$12000.00} and the principal balance still owed is {$24000.00}. We 've asked them repeatedly if they would accept a payout amount and have been turned down and they want {$24000.00}. We 've even stopped making payments at their customer service staff 's recommendation which damaged my credit to see if they would work with us. I was almost to default ( I cringe thinking about it ) and no luck they would not work with us. Also, Wells Fargo denied their customer service reps would ever recommend that to us. 

I found out another girl from my XXXX class is struggling with the same issue. I 'm not alone. I ca n't even imagine how many other past students are struggling with this right now. Please, I beg you not to take out a Wells Fargo student loan so they can no longer offer this predatory loan to consumers.
Product: Credit card or prepaid card

There is an error in my bank statement from XX/XX/2018 to XX/XX/2018. Apparently, there is a double billed/charged in the amount {$1200.00} from XXXX on XX/XX/2018. The transaction was already settled with refunded from the merchant provided with documentation in attachment, after I reviewed the statement on XX/XX/2018 showed extra double billed/charged in the amount of {$1200.00} that has been settled. Please fix and update the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 4 accounts reported on my Equifax that don't belong to me. Those accounts were negative accounts or delinquent accounts. As a result of that, my FICO score was damaged significantly which prevented me from getting access to many services such as increasing my credit limit, decreased my access to credit cards and not able to finance Iphones with my cell company.
Product: Debt collection

Date is XX/XX/2011 for an XXXX, contacted XXXX XXXX was referred back to Choice Recovery sent letter the bill was payed under the free clinic was told they could not accept that cause it did not say XXXX .I asked how I could speak to someone at XXXX XXXX they say they ca n't release there client information. Have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX which refers you to the choice recovery then the number for choice recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a transfer of {$15000.00} from my XXXX XXXX account to my new account with XXXX failed. The money left XXXX XXXX but never arrived in the XXXX account. Neither XXXX XXXX, XXXX, nor XXXX XXXX  have returned my funds. XXXX claims that the funds are being held at Fiserv, as their letter from XX/XX/XXXX states ( attached ). They suggested I reach out to XXXX XXXX, but they and XXXX XXXX refused to help. I attempted to talk to Fiserv over the phone, but the representative refused to speak with me. I had an attorney write a letter to XXXX, and XXXX then claimed that they had initiated an investigation with Fiserv. However, they ultimately did not share the results of this investigation.
Product: Student loan

I have been making payments to Navient in advance. I should be paid a year in advance. And my profile is set to apply payments to future payments rather than just to principle. Despite that request, every month I make a payment, the due date is not advanced. I have made countless phone calls to try to get this issue addressed -- and while they fix the particular payment about which I am calling ; the underlying issue has not been resolved. I have called close to a dozen times now. I have also tried emailing them. And still the payments are being misapplied. 

I am trying to pay in advance in case something horrible happens and I am unable to make a timely payment. It shouldn't take me an hour out of every month simply to make sure my payments are being applied in a fair way. Moreover, every time they make " an adjustment '' the numbers then look off. At one point, a representative told me that the interest I pay is the same regardless of how much principle I have paid -- or how far in advance I am paid. And though my payments are always more than the required amount, the payment schedule has never been adjusted to reflect an earlier final payment date. 

My payment amount is supposed to be {$380.00}. Every month, I have been paying {$400.00}. When I have asked for information in writing, nothing has been sent. So, unfortunately, I can not attached any correspondence as none has ever been provided.
Product: Debt collection

this loan was received in 2000 for XXXX through XXXX XXXX now ( Navient ). Now in the last 8 years I have paid them XXXX a month a total of at least XXXX and they have sent me a balance of XXXX.Now how is this possible? It seems that a fraud concept is going on. I want you to check on this please. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX and JPMCB Card services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged XXXX XXXX as her official Housing Counselor to submit this complaint on her behalf. Around XXXX XXXX XXXX contact Select Portfolio Servicing ( SPS ) the mortgagee who is the current servicer of her account. In order for them to quantify her for this special program for homeowners living on a small budget and can longer afford her home due the high interest rate of 10.75 %. This program is entitled XXXX XXXX Relief Program that allow homeowners to keep their homes under a paid in full settlement. Without any other cost to them. When she started reaching out to SPS she was current on her loan and was seeking an answer before the end of that first month never happen. After she had and requested that she be considered for this special program. This how the program works, after producing the required documentation the underwriter will closeout the loan. After XXXX XXXX faithfully submitted everything they ask for, now SPS is refusing to accept her income statement concerning her small pension of nearly 20 years to complete the transaction. They have inform us that they will not and can not accept the bank statement where both her XXXX is been deposit. She had inform SPS that the company only gave her a statement of of what her monthly pension will be and the company is refusing to send her any more statement concerning her pension, after informing SPS they are totally denying and workout option for her. They are using her pension as an excuse in order to keep her loan current rate as it is and force her into a foreclosure. This a predatory lending practice which violate Frank Dodd Predatory Lending Practice Act and Discrimination under The National Fair Housing Act. We are refusing to allow SPS to keep abusing Senior homeowners from practicing this negligence and unsound deceptive business practices. Please help.
Product: Credit card or prepaid card

I requested a credit balance refund for the amount of {$2100.00} more than 1 month ago and I still have not received the refund despite multiple calls to Bank of America. I'm attaching my two latest statements showing the credit balance.
Product: Debt collection

This company did not supply me with the required 30 day dunning letter. I didnt know they were trying to get any money from me. I received no calls or anything in the mail. 

This was reported to the bureaus illegally. 
This is a violation
Product: Credit reporting or other personal consumer reports

Per the FCRA 15 USC 1681. My credit profile is showing a lot of inaccurate information. My profile is showing a lot of charged off accounts that were sold and I never received a 1099C. I would like these negative items deleted from my credit profile and a updated copy mailed to me.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called an company called XXXX for business credit reporting. XXXX have went over everything that is wrong with my report they said that EQUIFAX BUSINESS is reporting everything wrong even XXXX XXXX XXXX of a different business which is a HUGE VIOLATION AND ALSO THEIR REPORTING WRONG ADDRESSES.. I contacted Equifax business and spoken to several people because they keep saying they will send me a business credit report and they haven't its been a long time now over 2 months ... i called so many time to request it and they keep giving me the run around ... I kept telling them that their reporting someone elses information thats not mine ... The Codes are wrong far as XXXX XXXX, ADDRESSES ARE WRONG THE TRADELINES ARE SCATTERED WITH DIFFERENT ADDRESS ... ITS REALLY STRESSING ME AND HOLDING ME BACK ... THIS IS A SERIOUS VIOLATION ...
Product: Checking or savings account

I am a victim of identity theft. Someone stole and used my personal information and obtain a state drivers license with my picture on the license and with a date of birth of XX/XX/XXXX and opened up a fraudulent and unauthorized checking and money market savings account with Bank of America. I was incarcerated at the time the fraudulent accounts was opened. Please review attached documents. My date of birth is XX/XX/XXXX. The checking and savings account that was opened in my name with Bank of America is fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against Bank of America regarding an improper offset and the handling of credit card debt related to my XXXX  The bank withdrew funds from my private account to settle my XXXX  credit card debt without prior notice or proper justification, causing financial distress and additional penalties. 
Details of the Situation : 1. Background : o I hold two accounts with Bank of America : a personal account and an account for my XXXX. 
o My XXXX, which I XXXX XXXX XXXXXXXX to the USA, experienced limited turnover, leading to an outstanding credit card balance of USD XXXX. 
o After transitioning to full-time employment, my plan was to balance the XXXX account and subsequently retire the XXXX. 

2. Offset Actions Taken by Bank of America : o On XX/XX/year>, Bank of America withdrew USD XXXX from my private account without notice to cover the XXXX credit card debt. 
o This withdrawal left my personal account nearly empty, making it difficult to pay bills. For each autopay payment that could not be processed, the bank charged me a USD XXXX fee. 
o A second offset of USD XXXX was made on XX/XX/year>, to cover the remaining credit card balance. 

3. Improper Process and Communication : o I visited a Bank of America branch to address the issue, and the bank employee contacted their headquarters while I was present. However, the response from headquarters was dismissive and repetitive : " We are entitled to do so. '' o I raised concerns that this offset might violate current laws separating personal and XXXX financial liabilities. The banks response became increasingly unfriendly. 
o When I suggested that the bank should have contacted me via email or phone before taking action, I was told they were not obligated to do so, despite the bank routinely contacting me to market other financial products. 
o Even the branch employee assisting me appeared frustrated by headquarters ' unwillingness to engage and suggested submitting an internal complaint about the interaction. 

Consequences of the Banks Actions : The withdrawals caused significant financial hardship, including : o Inability to pay personal bills on time. 
o Accrual of additional fees.

o Damage to my credit score. 
As my private account and the XXXX account are legally separate entities, I believe these actions were improper and possibly unlawful.
Product: Vehicle loan or lease

The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report that there was a hard inquiry made on my credit report for a bankcard that I never applied for and I did not authorize the credit check.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my XXXX credit report on XX/XX/XXXX. I never had any type of credit pulled in XX/XX/XXXX. They used an old address of mine from over 10 years ago that is a different state that I currently live in when doing the pull. They state they are Wells Fargo Card Serv, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Phone XXXX. I called this number, and it is definitely some type of scam asking me if I'm age XXXX or older and such... then a recording about some XXXX XXXX XXXX XXXX. 

This is very concerning as it was a hard pull on my credit report using information on me from over XXXX years ago - old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services XXXX ( D. Ariz. 2018 ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

Maury Cobb Attoney at Law LLC contacted me though mail stating that I paid or was credited XXXX XXXX XXXX {$6100.00} towards a debt I was not aware of and that I now owe {$120.00} as a final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT ISN'T MINE.