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

Dispute of Inaccurate student loan Information and Violation of FCRA Law I have recently obtained a copy of my credit report from your bureau and discovered that it contains inaccurate student loans.I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by failing to investigate my previous disputes of inaccurate information on my credit report.

I provided you with clear and convincing evidence that this information was inaccurate, including copies of of my credit report. However, you failed to investigate my dispute and remove the inaccurate information from my credit report.

This failure to investigate my dispute violates Section 611 ( a ) ( 3 ) ( B ) of the FCRA, which requires credit bureaus to investigate all disputes received within a reasonable time. It also violates my rights under Section 620 of the FCRA, which gives me the right to have inaccurate information removed from my credit report.

I am requesting that you immediately investigate my previous disputes and remove the inaccurate information from my credit report. I am also requesting that you provide me with a copy of your investigation report and a copy of your updated credit report I am aware that under the FCRA, I am entitled to actual damages, punitive damages, and attorney 's fees if you have willfully violated the law. I am reserving my rights to pursue these remedies if you do not resolve this matter to my satisfaction. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/ XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of Education/ XXXX XXXX XXXX XXXX XXXX {$4300.00}, Dept of Education/ XXXX XXXX  XXXX XXXX XXXX XXXX {$2800.00}, Dept of Education/ XXXX XXXX # XXXX XXXX {$230.00} XXXX Dept of Education/ XXXXXXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX  XXXX XXXX XXXX XXXX XXXX XXXXamount {$720.00} =PAID OFF Experian, XXXX, and XXXX have 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 card

XXXX XXXX comenity bank again. 
so this is 3rd complaint. they tell cfpb they have fixed my account etc. no they haven't. I just got a credit bureaus notice where they reported my account delinquent. eyh. I never git a bill to make a payment. plus they just noticed me 6 days ago they fixed all payments and have corrected my account. what did they do they can't find my payments they lowered my credit limit and then reported me delinquent comenity bank is really screwing up my credit and my payments. they need to be investigate for false pretenses
Product: Money transfer, virtual currency, or money service

I cashed a check and know they saying it was a fraudulent check. When they verified the check before cashing it
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX 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 ( 30 to 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. 


( XXXX XXXX XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

The collection account for XXXX XXXX was disputed because it was inaccurate and had information on there that was not correct.
Product: Payday loan, title loan, or personal loan

I got a flex loan from advanced financial. At the time I had done this many times before successfully with on time pay back in full. 
I lost my job after my divorce and went from XXXX a year to under 20k. The company keeps drafting money that isnt in the account or waits with a pending withdraw until money is in there. On the 1st I didn't have the payment in my account. I stopped by the store and they said it was already being pulled from my account. They drafted every cent I had for my power bill. 
I do not make enough to pay the minimum two week payment of XXXX interest only. I need help. The store said to call the customer line and they would help. I was put on hold after explaining g my request and no one ever came back. I have a photo showing a 38 min call to the company. I am in big financial trouble and no one at Advanced financial will help!
Product: Debt collection

Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.
Product: Credit reporting or other personal consumer reports

Recognized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unrecognized inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

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

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Mortgage

I purchased my home in XXXX of XXXX. I have never made a late payment. In XXXX, my escrow was determined based on my taxes being 6 % as a non-owner occupied. In XXXX of XXXX, a check was mailed from my escrow for my taxes in the amount of {$3700.00}. My taxes were only {$1100.00} because I am only required to pay at a 4 % rate as I do occupy the residence. I sent an email to XXXX XXXX on XX/XX/XXXX regarding the tax issue. XXXX XXXX still has my rate at 6 % and have increased my payment from {$1200.00} to {$1700.00} per month. I have been in contact with XXXX XXXX since XX/XX/XXXX and I am still trying to resolve this issue. I never speak with the same person and they always tell be " it's with the legal team in the escrow department and someone will call you in 2-3 business days ''. They never call back and it's XXXX and still unresolved. The new determined payment amount of {$1700.00} began in XX/XX/XXXX. I spoke with them and they told me to make my normal payment until this was resolved and i did that for XXXX and XXXX. They said they would waive all late fees and stop any credit reporting. they are holding my payments for the past two months in a reserve and not applying them to my account and I am now getting foreclosure notices. They have reported my mortgage to my credit file negatively affecting my credit. I don't know what to do as it's been 5 months of me trying to resolve this. Please help me.
Product: Debt collection

XXXX XXXX of Louisiana sent me to collections with XXXX XXXX XXXX and Mitchell D. Bluhm & Associates , LLC Attorneys at Law for a XXXX service from XX/XX/XXXX. 
1. I did not know I owed a debt to XXXX. I have not received any previous bills. 
2. There are no details about the debt or the service I received for me to verify the debt on the bill that I received from the law offices. 
3. This is the first notification I received from the collections lawyers and on the letter they threatened to report to credit agencies and they did so dropping my already suffering score 42 points. 
4. A representative from the office called and when I attempted to ask questions, that person hung up the phone while I was talking. 
5. On XX/XX/XXXX, I was temporarily laid off from my job.
Product: Checking or savings account

I'm a veteran who received a XXXX XXXX payment on XX/XX/2022. I opened a checking account with the XXXX XXXX " Bank '' on the XXXX of XX/XX/2022. I contacted Direct express in an attempt to transfer my funds into my XXXX XXXX " Bank '' account. After giving Direct express my checking account number as well as the routing number to the XXXX XXXX " Bank ''. I waited ( 6 ) days, and checked my account to find that the transfer did not go through. I called Direct Express customer service to find out what was the problem. I was told that i would have to go to their web site, and open a web account in order to transfer that amount of money. I opened an account with Direct Express and attempted to transfer my funds over to my checking account at XXXX XXXX " Bank '' and was given a confirmation number that the transfer was a success. I waited ( 4 ) more days and checked my account again at the XXXX XXXX " Bank '' and the funds were not there. I accessed my on line account with Direct Express to find that the funds were returned to my Direct Express card. I set up that account with a user Id and created a pass word, but Direct Express went into my account without my consent. Direct express has frozen my Direct express card on the XXXX of XX/XX/2022, and I haven't been able to withdraw any of my funds. I closed on a home on the XXXX of XX/XX/2022 and haven't been able to pay the sellers on the home. I also haven't been able to pay my rent for the month of XXXX. I really need this to be resolved as quickly as possible. I tried to contact Direct express the XXXX of XXXX. Whenever I call the customer service number, and follow the prompt and enter my card number, I am continually be put on hold without anyone to return to talk to me the remainder of the day. I've called Direct Express Several times a day for several days and once I put in my information I would be put on hold the remainder of the day without talking to a customer service employee nor supervisor. I've called The Office of the Inspector General, who gave me a White House hot line telephone number and I was given a case number as well. I was sent a letter dated, XX/XX/2022 from Direct Express Advocacy Group which included their phone number. I've attempted to contact them several times only to get a voice mail. I have left numerous messages and a phone number to return my call, as the message states and haven't received a return call from them as of yet. I t 's has been several weeks without any access to my account.
Product: Debt collection

Hello ; This debt was assigned to my ex-husband per our divorce court order in 2014. Toyota was notified of this assignment and his contact information was provided. Also, Toyota charged this debt off without notification of collection, and it remains on my credit report. I request that Toyota either provide a way to pay this debt off or remove it from my credit report.

Kind Regards, XXXX XXXX
Product: Debt collection

Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.
Product: Student loan

I started teaching at a public school in XX/XX/XXXX. My student loans were consolidated in XX/XX/XXXX with XXXX. I was told then ( in XX/XX/XXXX ) that my best course of action was to consolidate to a Smart Loan. Then, XXXX changed ( or my loan was bought out by ) Navient. I asked Navient if I was qualified through my Smart consolidation for the Public Service Loan Forgiveness Program. They said they thought so, and that I just needed to continue working at the XXXX  where I ( still currently ) am working, and I needed to make 120 payments. In XX/XX/XXXX ( when I had made 120 payments ) I started ( what I thought ) was the process of applying for the Public Service Loan Forgiveness program. It took me six months ( and two months of deferment in which my loan was still collecting interest while I was told to complete a DIRECT consolidation ) for me to find out that my loan was NEVER going to qualify for the Public Service Loan Forgiveness Plan because A. It needed to be Directly Consolidated to begin with, B. I would have had to file my taxes individually once I had gotten married. On XX/XX/XXXX I spoke with a representative from the current loan company I've been shuffled to ( XXXX XXXX XXXX  ) and they STIILL told me I would qualify for the Public Service Loan Forgiveness Plan after another 120 ( ten more years worth of payments ) ; which is ALSO NOT TRUE and I blindly would have accumulated nearly {$40000.00} in interest for another 120 payments if a financial planner hadn't caught this and told me I won't qualify now or in 10 years. I started with {$46000.00} of Subsidized and Unsubsidized Federal Student Loans and still have {$37000.00}. to go. I wish I had all of this information before I started XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has taken over my student loans. My first payment was due on XXXX. I paid on XXXX. XXXX still marked my account as delinquent - both in my online status and in my statement issued on XXXX - while it waited for it to process. I called to let them know that they were violating regulation by not counting my payment on the date it was made and that they cant mark my account delinquent when it was paid on time on the due date. 

XXXX assured me that the delinquent status and statement would be updated once they fully processed the payment. I woke up this morning to find that XXXX has reported my account to the credit bureaus as a late payment. This is unacceptable. If XXXX cant properly handle loan payments and credit reporting, why has the government given them this contract?
Product: Credit reporting or other personal consumer reports

Experian continues to not accurately investigate inaccuracies on my report when it comes to XXXX XXXX XXXX XXXX. I've disputed the historical lates on my auto loan with Experian. Experian has came back that the item is accurately reported. Upon reviewing the historical lates. Based on Experian 's reporting it's virtually impossible for the lates to report the way Experian has reported it to my credit file. On XXXX XXXX XXXX Experian is reporting I'm 60 days late. But in XXXX and XX/XX/year> its reported as my account was on time. So if the previous months are reported on time how could I be 60 days and then 30 days late. This is further proof Experian has abused its power and not accurately investigating and reporting accurate information to consumers credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX HOARDERS Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Ditech Financial T hey have sent numerous letters and to be perfectly blunt they lie. They have been given several notifications of insurance on the property and they continue to charg e Hazard Insurance. T hey sent a letter to us stating they had received our insurance information and would stop charging us and refund all back payments They continue to charge us and now are saying they never got confirmation of insurance.     I looked up top complaints o n Ditech an d every single issue we have had is the same as everyone else. They change account numbers so your payment is rejected ( I have never been able to pay via our bank correctly for over a year ) They lie about receipt of documents. They ruin your credit report and they are so incredibly dishonest. They need to be investigated and closed down.     I do not know what you can do and how this can be fixed but I am tired of fighting with them constantly. I wont even let them call me anymore because they lie on the phone so much
Product: Credit card or prepaid card

I had a " XXXX XXXX '' card with Citi since XXXX. Citi bank closed my account on XX/XX/XXXX without any notice due to " no activity on card ''. The balance was paid in full at the moment of card closure and the card was never delinquent. 

I logged into my Citi account today ( XX/XX/XXXX ) and found the close was since closed. I called Citi customer service and found out the account was closed by Citi on XX/XX/XXXX. I had XXXX XXXX XXXX ( Citi XXXX XXXX XXXX that I earned on the card at the time of account closure, Citi refuses to allow me redeem the point for cash or make any compensation offer.

Here is what I think Citi 's activity falls under UDAAP definition : 1. Despite Citi has right to close my account due to inactivity, Citi should have notified my via first class mail or other written format to notify me. Citi did not notify me nor allowed me to dispute this decision timely. 

2. At the time of account closure, the points earned on the account should be cashed out or transferred to another eligible account. Citi forfeited the reward balance and refused to recredit them. 

Citi advertised XXXX XXXX as the feature of the product and a return of profit to customer, yet Citi closes account and seize rewards without notifying the customer. This is especially unacceptable when there is no wrongdoing on customer 's side ( e.g., bank decides to close account due to inactivity ).