23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When Covid forbearance started I continued to make a few payments ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all for {$180.00} each for a total of {$720.00} ). Over a month ago on XX/XX/XXXX, I called them and asked to have those payments refunded. I was told I would have to wait 150 days for it to be processed. This would mean that I would have to wait to submit my loans for the forgiveness program and would start to accrue interest. I just checked my account today ( XX/XX/XXXX ) and they have already started charging me interest ( {$44.00} ) even though it is still in Covid forbearance and should be XXXX XXXX interest through the end of this year. They also no longer show the payments I made on the dates above in my payment history but have not yet refunded me or updated my account.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found multiple inaccuracies on the way it's reporting into the major credit bureaus. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Product: Student loan

On XX/XX/XXXX I sent 2 letters to XXXX XXXX  in Pennsylvania requesting removal of XXXX late payments they recorded, XXXX for each account, reported at the beginning of my payment plan. My XXXX had gotten XXXX in XX/XX/XXXX and required my full-time care. I explained that after she XXXX XXXX in XX/XX/XXXX, I have made on-time payments ever since. They denied my request on XX/XX/XXXX. All 3 credit bureaus still show me as having XXXX late payments which disqualifies me from work, housing, loans & any other simple background check. It has caused irreparable harm to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting an account I closed last year as open, this account was settled with the original creditor and closed the date of payment. This is not a joint account, this is an individual account with one obligee. This account states inaccurate information. 


Account number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, operated by synchrony bank, sends payment confirmations to their users, then their system rejects the attempted payment and they did not properly inform me that they attempted payment did not go through. Then when you call them about the issue, their agents lie to you about removing inaccurate charges on your account.
Product: Credit card

XX/XX/year> XXXX XXXX XXXX XXXXXXXX ( denied too many recent inquiries are recorded on my credit bureau report ) XX/XX/year> Bank of America credit card and XXXX XXXX ( denied and unable to verify identity and documentation provided ) XX/XX/year> XXXX XXXX  XXXX Credit Card ( denied for I put a freeze on my credit file ) XX/XX/year> XXXX XXXX XXXX from XXXX XXXX ( application denied ) XX/XX/year> XXXX XXXX XXXX Bank debit card checking ( denied by the bank and me when I called to report it. ) XX/XX/year> received a email on unemployment claim in my name with my work. ( I responded to the email stating it was fraudulent and also filed a claim with Report unemployment identity fraud U.S. Department of Labor )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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
Product: Checking or savings account

On XX/XX/XXXX, my checking account was low on funds and I had a {$2000.00} mortgage payment being automatically withdrawn from my account on XX/XX/XXXX. I get paid on the XXXX, so i went to my credit union, SAFE, and I got a cashiers check of {$2500.00} to cover the mortgage payment. Running short of time, I used my banking mobile app to deposit the Cashier 's Check and completed the {$2500.00} deposit on the XXXX of XXXX. 
Today, I tried to use my ATM card and it was rejected. Slightly embarrased, I was confused because when I deposited the check it said it would be available the next day, which was the XXXX. Subsequently, today in my account it said, " Deposit Hold {$2500.00} Total amount delayed, available XX/XX/07 at XXXX XXXX PT ''. The funds had been removed from my account and held without compensation. This was a Cashiers Check I deposited which is guaranteed funds on the bank it was drawn on. There is no logical reason, or policy to put a hold on guaranteed funds. More importantly, when I called Bank of America Customer Service to discuss this and see if there was anyway to release the Cashier 's Check, they said no policy would allow anyone to release the funds. My money was being held hostage for 8 days. In addition, the Customer Service Rep let me know their was " Confidential '' note on my account, but he could not access it. This reeks of abusive banking practices, retaliation for my previous complaint and the hold on the check is completely unjustified and, I assume, illegal, but I digress. I was also assessed a {$35.00} overdraft fee for my rejected mortgage payment. When I received my pay check today, I was so traumatized by a cashiers check being put on hold that I went to my credit union to deposit it and withdrew {$2500.00} cash so I could cover the money that the Bank of America has illegally removed from my account. I did trust B of A to deposit my check there and I won't anymore. How can they take money from innocent people and sit on it for 8 days. In addition they make money on it. It is just plain piracy.
Product: Credit reporting or other personal consumer reports

I AM DISPUTING THE INCORRECT INFORMATION THAT IS ON MY CREDIT REPORT. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT I HAVE THE RIGHT TO DISPUTE INFORMATION THAT IS FRAUDLEENT AND A RESULT OF IDENTITY THEFT. EQUIFAX MUST ALSO TAKE THIS MATTER SERIOUSLY BY REMOVING THE ITEMS THAT ARE A RESULT OF IDENTITY THEFT. According to 15 USC 1681a2 I DID NOT give permission to have these accounts furnished on my credit report, since they are not mine.
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX
Product: Mortgage

Around XX/XX/2017 I was going to do a loan modification with Wells Fargo I decided not to. A forced loan modification was done on me which caused me to have an escrow account that I have never had in my life it jacked my payments up {$300.00} more and then specialized loan servicing bought my account and I have done everything they wanted me to do to drop my escrow and they still will not drop it I am in a situation that I did not ask for that I'm forced into and if it doesn't get fixed financially I might lose my home. And because of this my insurance is due and now my insurance company is wanting over {$1300.00} for a Year 's worth of payment when I have always paid monthly my whole life please help me
Product: Checking or savings account

This complaint is for the Regions Bank Fraud Department. On XX/XX/2023, a reputable meat wholesale company in XXXX, XXXX posted on their business XXXX Account a sale of puppies. I messaged the company directly and was advised there was a deposit required. I obtained the CashApp information, and within 30 minutes I realized that their business XXXX Account was hacked and I was a victim of fraud. One of the Administrators of the Account contacted me and advised their account was, indeed, hacked and unfortunately, they were not selling any puppies ( 30 minutes after the transaction ). In trying to resolve the issue with XXXX, a representative advised that they were not going to help me obtain the money from this account and it was not their responsibility to provide a refund due to a scam. I submitted the dispute with Regions Bank and was not provided a response. I contacted the Bank virtually and was told they were not going to credit me the {$250.00}. In speaking with Regions Fraud Department, they advised that they were not going to provide a reimbursement for this and that I was supposed to obtain the refund through the third-party ( XXXX ). At this point, I requested that the representative from Regions Bank Fraud Department submit a complaint of their practice to refund victims of scams. I have been a loyal customer with Regions for over ten years, and they were unwilling to refund a {$250.00} transaction. 

I understand the situation that I am in. It was my decision to send money through an application that is not secured thru FDIC ; however, I find it hard to believe that this also happened to my mother a few weeks ago ( another victim of scam with XXXX ) and she was able to get her money refunded within 2 days time. If the Regions Fraud Department is able to provide this assistance to my mother, why could they not do this for me as well? I have been a loyal ( preferred ) customer with Regions Bank for over ten ( 10 ) years and I have never called to dispute a scam or fraudulent charge. The email alone is more that {$250.00} but someone has to figure out how to stop these companies from allowing your customers to be victims of scams and have their hard-earned money taken from them. 

Again, the wholesale meat company is a reputable company in XXXX, XXXX and there was no way for me to know that their account was hacked or compromised. For the Regions Fraud Department to not provide a one-time grace for their customers to understand this is a big issue in the United States and not protect their customers is sad. It's only {$250.00} and I can only image how much they have received from my overdraft fees and interests on money in my account.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of XXXX XXXX and this needs to be removed. Please remove these illegal unauthorized collections off my 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
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Complaint against Ford motor credit This update on my Complaint Ford repo my car when I call and made payment arrangement. Knowing I was in the hospital twice this year. They said they will work with me. At the beginning of the week I said I will pay half what I owe and the other half on Thursday. A day before I was going to pay they repo my car. Even when I been in contact with them. Leaving me strand it with no way for me and wife to get to work. No way for us to get around at all. Or to get my wife to doctor appointments and treatment. No way to get food. We only have XXXX car. We do not live my public transportation. 

After they repo my car I call to find out why. When I set up payment arrangement and was told. Payment arrangement means nothing to them. It's the system that said the car needs to be repo. 

When i was willing to pay to get my car back. At 1st Ford said noni can't get my car. 

Then they said after I explain my story I could get my car yesterday. When I was on my way to pay and get my car. Ford change there mind and said I need to pay the whole loan off to get my car. I explain how can I do that. I don't have that money. I am paying for my wife medical care. I am still trying to save money to pay the hurricane damage I had few months ago. Plus I was in the hospital recently. I was told that is not there problem and said they refuse to help me out. That I will have to pay the whole loan off. The people I spoke to was so heartless. 

Yet they still want to hold me liable for the vehicle. If they don't release it to me. I even negotiate and told them I am will to give monthly payment in advance. 

What i would like ford to do is rel6the car to me and allow me to still make monthly payments. 

If ford does not agree to the monthly payments for my loan and not give me back that car. Then ford should release me from any liability of me owning them anything. Knowing i'm willing to continue my monthly payment and pay in advance. Because the thing here is i'm not refusing to pay. I'm just not. 
Going to pay the entire loan off. I would like to continue making my monthly payments on my loan and get my car back. 

I want ford to remove a negative on my credit report. Knowing I call them in advance working out a payment plan. 

I just want my car back now. Each day I can not get somewhere will cause a major problem and risk lives too.
Product: Credit reporting or other personal consumer reports

Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. 
I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports.

As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Account : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$32000.00}
Product: Credit reporting or other personal consumer reports

Dear Suncoast Credit Union Customer Service, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my line of credit account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$390.00} Credit Limit : Not Provided Highest Balance : {$1000.00} Last Four Digits of SSN : XXXX Per IRS regulations ( Section 6050P ), you must issue Form 1099-C for canceled debts of {$600.00} or more. I need this form for my records and tax compliance, as the reported charge-off of {$390.00} may have tax implications, even if below the {$600.00} threshold, due to potential aggregation or other IRS rules . 

However, I am actively disputing this accounts status with credit bureaus and the CFPB, as the charge-off and past-due status ( reported as {$390.00} written off and {$260.00} past due as of XX/XX/XXXX ) are false. I never defaulted on this account, and the continuous reporting of charge-offs and delinquencies ( 180 days past due in multiple months ) is a gross misrepresentation. This has devastated my credit score, denied me credit access, and caused significant financial harm, which I am addressing through ongoing disputes. 

If Form 1099-C has not been issued, provide a written explanation detailing why, with supporting documentation for the charge-off. Clarify any outstanding balance, whether the debt was sold or assigned, and if further action is required. I am concerned that failing to issue this form, if applicable, violates IRS requirements and complicates my tax filings. 

Please send the requested documentation to the address above promptly, no later than 15 business days from receipt. Contact me at XXXX or XXXX if needed. I expect your immediate and thorough response to resolve this critical issue. 

Sincerely, XXXX XXXX XXXX