23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PENN CREDIT CORPORATION is a collections account that appears on my credit report even after I paid it off and they refuse to remove the paid collection from my credit report even tho they got me to agree to a settle and delete. the only reason i paid it is because the representative from Penn credit said he would take the account off of my credit report if i agreed to pay him and i did but now the account a year and a half later is still onn my credit report as a derogatory mark and it is affecting me buying my first home and when i called they told me they don't remove the account and that the gentleman that i paid to pay the account off lied to me and that i was out of luck. 

this is a violation of my rights as a consumer and my credit is being harmed even after paying a debt in full.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, XXXX, and SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Checking or savings account

I need all overdraft fees to be reimburse from navy Federal bank all all accounts last 24 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an installment loan in XXXX of 2021, with XXXX  XXXX XXXX, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into XXXX  XXXX on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX XXXX  and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Product: Student loan

I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.
Product: Mortgage

l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to XXXX5 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF EDXXXX  - {$1800.00} DEPT OF ED/XXXXXXXX XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions. 
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
Product: Credit card or prepaid card

At XX/XX/XXXX, I made a call to American Express MEMBERSHIP REWARDS and told the customer service that I can not transfer my XXXX MR points to XXXX XXXX. He told me that my account was under review to see whether all the transaction met the criteria to earn the bonus MR points ; however, he said that they will fasten the review process and give me a call this week. 

And today is XX/XX/XXXX, I still do not hear back from them and can not transfer my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, XXXX, and experian ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2024 a consolidtion expired, yesterday and I would have been able to get my loans cancelled. Navient did not notify me of this and therefeore I missed the deadline. 

I do not understand the purpose of having a deadline on something that is designed to help people. Can we have a deadline on helping sick people at the hospital please? It does not make sense to have a deadline on a program that is '' designed '' to help people who are struggling. 

I want my loans to be removed from Navient and placed with the department of educ ation. They are intentionally withholding information about loan cancellation, consolidation that can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.
Product: Debt collection

I contacte d National Credit Systems  on  XXXX   XXXX ,  2017 . I spoke with  XXXX   XXXX  est.   She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at approximately XXXX, I contacted Transunion hoping to make some changes to my credit report. Upon talking with a customer service agent I explained that I wanted my common law significant other, ( legally my Husband ), to advocate for me as he is much more versed in matters dealing with credit. At that point, she informed us that she could not do that because that was not allowed by Transunion. We then informed her that it was my right to appoint who ever I saw fit to represented me with regards to these issues. Eventually she agreed and my partner took over in communicating with her and present the entire time. We firstly asked that one address be present on the report reflecting " XXXX XXXX XXXX XXXX, Wa XXXX ''. we then asked that the information regarding the FICO score be removed from the report. at this point costumer service agent informed us that we would have to contact someone else to have the FICO score removed. We knew this to be untrue as Transunion is in control of what is presented on their reports. We then repeatedly asked her 4 to 5 more times to have the FICO score removed, and she again told us that is not something that they can do. According to USC codes this is considered manipulation of the truth and Transunion should be held in violation for not providing the proper structure that I was asking for on my report. 

In addition to this complaint, my primary concern is that I would like all of the inquiries to my credit report removed starting with XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your time and attention to this matter. I can be reached at XXXX or XXXX at your convenience, or if you have any questions please feel free to contact me. 
Lastly, I have the audio of the entire conversation with the Transunion Customer service agent, and will be happy to provide that upon request. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows that experian has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Navy Federal Credit Union Privacy Act of 1974 US CODE 16 313 Under 15 USC 1681 section 602 it states I have the right to privacy.

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

15 U.S. Code 6801 - Protection of nonpublic personal information Under 15 USC 1666b a creditor may not treat a payment on a credit account an open end Consumer Credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX accounts # 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 also states a consumer reporting agency can not furnish a account with out my written instructions.

I have sent in a certified dispute letter into Equifax twice and the only response they have sent back is for me to verify my identity even though both disputes had a valid copy of my license and social security card. The second letter i included a copy of my Equifax report and I circled the accounts in questioned. It has been over 30 days for the time of the dispute and they have yet to investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has locked my credit profile and has prohibited my ability to obtain credit. 

I have called the number on their website to talk with a live agent. 

I have also mailed and Faxed a request to unlock my profile so that XXXX party reporting agencies ( XXXX, XXXX XXXX, etc ) can obtain data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.
Product: Money transfer, virtual currency, or money service

I am writing to formally espress my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost forms was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of of accountability and transparency is unacceptable and raises serious concerns about consumer safety.