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

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX is a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. XXXX XXXX XXXX XXXX XXXX is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance - Discrepancy in Credit Reports Following Loan Forgiveness Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter related to the forgiveness of my student loans through MOHELA, and the subsequent discrepancies in my credit reports. I believe your office can provide valuable assistance in resolving this issue.

Identify the Problem and the Reason Behind It : Recently, my student loans with MOHELA were officially forgiven on XX/XX/2023. The forgiveness resulted in a XXXX balance, and my accounts are currently in good standing. However, despite this forgiveness, my credit reports inaccurately reflect that the accounts are still open and active. 

Define Expectations : In seeking your assistance, my primary expectation is to rectify the inaccuracies on my credit reports. I anticipate that, with your intervention, the correct status of my student loan accountsclosed with a XXXX balancecan be communicated to the credit reporting agencies. 

Describe Actions Already Taken to Resolve the Problem : To address this issue, I have taken the following actions : - Contacted MOHELA to verify the forgiveness and status of my loans. 
- Obtained documentation from MOHELA confirming the forgiveness and a XXXX balance. 
- Disputed the inaccuracies with the credit reporting agencies, providing them with the supporting documentation. 

Despite these efforts, the credit reports continue to incorrectly reflect that my student loan accounts are open and active. 

Supply Documentation to Support My Position : Enclosed with this letter, you will find copies of the relevant documentation from MOHELA confirming the forgiveness and a XXXX balance. Additionally, I have included copies of the dispute communications sent to the credit reporting agencies. 

I kindly request your assistance in investigating and resolving this matter. The inaccurate reporting is adversely affecting my credit profile, and I believe that the XXXXXXXX XXXX  XXXX can help ensure that the correct information is communicated to the credit reporting agencies. 

Thank you for your attention to this matter. I am willing to provide any further information or clarification that may be necessary. I can be reached at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Consumer Loan

It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help
Product: Debt collection

XXXX   XXXX  received letter  that Navient would seize my assets if I did n't pay. I called to ask about that and they said they never sent it. They also said I had 2 mor e months until default of loan. I asked to mail in a payment they requested to keep it from getting more behind, which the normal payment is  XXXX . They then said " because of the state of my loan being 5 months behind this arrangement was not acceptable ''. My next payment was not d ue until ( month 7 behind of 8 before default ) 2 weeks from now. It was pressure and tactics that made no sense. I did not want to give them my account information because my mother, a cosigner, did that and they took money she did n't authorize. I asked to pay the loan off in a settlement and they also requested al l kinds of financial information. The payoff was to be by a benefactor, so it had no relevance.
Product: Checking or savings account

I sent a check to a vendor who's address was a po box XXXX After a bit, the vendor reached out to me asking when I would pay the bill. I had advised him by remitting the payment advice from XXXX that the bill was paid in full. After a bit or research it was discovered that the check ( Business to Business ) was stolen from his po box and cashed at another institution, XXXX XXXX. 

In the coming months I've come to learn that it's not allowed for XXXX to XXXX checks to be cashed. Not only that, but neither of us had an account at XXXX XXXX. Initially, XXXX refunded my money, but after 2 weeks, they took the money back saying that they would attempt to get the funds from XXXX XXXX on my behalf. 

It has been 1 year, and they still have not refunded the money that was fraudulently given to another party. I have done everything in my power to have this case handled quickly and efficiently including signing an affidavit with the vendor that accounts for the situation. I not only used a banks method of payment, but by using the bill pay service, I was under the impression I had another level of security against fraud. 

I would appreciate any help in regaining my funds, and would have no problem discussing this issue at length with others to avoid similar situations in the future.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments for the account : XXXX XXXX XXXXXXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Debt collection

I'm filing this complaint in regards to a collection account on my credit report by XXXX XXXX XXXX in the amount of {$10000.00}. 
This account was open FRAUDULENTLY DUE to identity theft. In XX/XX/XXXX my purse was was stolen from me inside including my Ca ID my social security mail with my current address. My cell phone was stolen which gave access to the suspect all my emails accounts. Etc. Immediately reported this information to all ( 3 ) credit bureaus and requested they place a fraud alert on my account. I NEVER LIVED AT ACCENT OF THE GALLERIA APARTMENTS which is the original creditor on this account. The address associated with this account has NEVER been on my credit file. I have filed a FTC REPORT AND POLICE REPORT. AS I LIVED AT XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX. 
PLEASE REVIEW ATTACHED LEASE AGREEMENT VERIFYING RENEWAL OF MY RESIDENCE XXXX. THIS IS A RENEWAL AS IVE LIVED HERE SINCE XX/XX/XXXX. 
PLEASE REMOVE XXXX XXXX XXXX FROM COLLECTIONS ON MY REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Re-insertion of Debt on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a debt on my credit report. I have already disputed this debt, and it was previously removed. The recent reappearance of this debt on my credit report without proper validation and notification is a violation of my consumer rights. 
I request that the Consumer Financial Protection Bureau investigate this matter, as the actions of the collection agency may be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. I request evidence that this information was supplied to me as required by this regulation. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about the re-insertion of this debt or my rights to dispute it. This lack of notification violates this provision, which mandates clear communication of my rights. 
3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to re-insert this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case. 
I request that you provide me with a detailed method of validation for the re-insertion of this debt. This includes : Proof of the process followed for validation. 
The names and contact information of individuals spoken to during the process. 
Copies of any emails sent regarding this matter. 
Certified mail receipts or other forms of documented communication. 
Without proper validation and notification, the re-insertion of this debt is both unlawful and unjustified. I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

My credit report shows 12 open acct with EDFINANCIAL SERVICES L but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My consumer report contain some inquiries that I do not authorize nor do I have anything to do with, reporting a wrong data on consumer report is a violation of fair credit reporting acts. Please kindly remove the following Inquiries because I do not have any association with them. 


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

Recently, I conducted an investigation on my credit report and it made me really upset that the 3 reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX XXXX Account that starts with XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX XXXX Account that starts with XXXX. Additionally, this account for all 3 agencies says this account is closed and should no longer be on my report.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies? 
I have attached a copy of this account on my credit report for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.
Product: Credit card or prepaid card

I received a notice in XX/XX/2019 that my account would be closed due to inactivity. I requested a new card at the end of XX/XX/XXXX, but never received it. My account was subsequently closed in XX/XX/XXXX. I have never had a late payment on the card, my balance was XXXX, and I have had the account for over 15 years. When I realized the account had been closed, I immediately contact capital one, within days, ( even thought I wasn't notified of the official closure ). They said they would review my request to reopen and then mail me a letter in 7-10 business days with the decision. I never received the letter. I called on XX/XX/XXXX and was informed that they made the decision not to reopen.
Product: Credit card or prepaid card

In XXXX & XX/XX/2018, I faced financial hardship. In which I paid my credit card bill late. Prior to paying my bills late I reached out to capital one & informed them I will make my payments a few days late. I was told that my payment due date would be pushed back to avoid a late fee.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I file a dispute on all the credit bureau telling them that balance is incorrect reporting from XXXX financial service that I used 90 % usage of my credit card which I didnt that XXXX of XXXX Which I used XXXX at that time instead XXXX. I called the company first and they informed me my usage was below 20 % when they reported to the credit bureau. I just got email from XXXX stating the the information that was reported was correct and no changes is going to be made.This incorrect balance has drop my credit score down a lot and the credit bureau XXXX really didnt look into this if so my credit score would have went back like it was. I am trying to build my credit score not low it. Thank in advance
Product: Credit reporting or other personal consumer reports

XXXX and equifax refuses to delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its to my under that CFPB has sued these two companies for this same reason they are doing to me. 
I have provided proof that these accounts do not belong to me and they refuse to delete. 
These accounts above on my credit report. It Is hurting my financial well being and my life.