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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a formal complaint against XXXX  for their failure to correct inaccurate credit reporting on my account. Despite submitting a dispute ( Case # XXXX ), XXXX  provided a non-responsive reply that did not address the specific errors I raised. Their continued reporting of incorrect information is negatively impacting my credit and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Details of the Reporting Errors XXXX  has reported multiple consecutive 60-day and 90-day late payments in a sequence that is inaccurate and logically impossible. Credit reporting follows a standard timeline ( 30 days, 60 days, 90 days, etc. ), but XXXX reporting skips or overlaps late payment statuses in a way that is not consistent with how payments are actually made. This creates false negative marks on my credit report, causing significant harm to my credit profile. 

FCRA Violations by XXXX  By failing to correct these errors, XXXX  is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or misleading information.

2. 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Creditors must correct and update reported data when they become aware of an inaccuracy.

3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) Once a dispute is filed, furnishers must conduct a reasonable investigation and correct or delete inaccurate information. XXXX  failed to do this. 
4. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to investigate disputed information within 30 days, which XXXX response did not properly address. 

Requested Resolution I am requesting that XXXX  be required to correct or remove the inaccurate late payments from my credit report. If they are unable to verify the exact accuracy of the reported data, the account should be deleted in its entirety in accordance with FCRA guidelines. 

Next Steps if Not Resolved If XXXX  does not take action to correct this issue, I will escalate this matter further by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action for willful violations of the FCRA, which can result in statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees ( 15 U.S.C. 1681n ). 

This reporting error is harming my credit, and XXXX refusal to provide a valid resolution is unacceptable. I ask that Consumer Protection take immediate action to ensure XXXX  complies with federal credit reporting laws. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent dispute letters beginning XXXX XXXX. We sent registered letters to XXXX and Experian credit bureaus. Within thirty days the credit bureaus are supposed to report that the account is disputed. Secondly the incorrect information, The date last active is documented on the copy of the credit report I provided.
Product: Student loan

My husband and I have a joint spousal consolidation loan. Currently, we have filed for the PSLF Waiver in XX/XX/year>, and filed our Notice of Intent to Separate on time. We have jumped through every hoop that the Department of Education has set up in the past XXXX  years. Our Joint Consolidation Separation Act was passed 2 years ago and we have waited patiently for the window to separate, but still it takes months for this to be processed. Our Separation Application was sent in in early XXXX and we are being told it might be processed in late XXXX or XXXX! My complaint is that we have been in forbearance for the last 2 years and continue to be dragged along by the Dept. of Ed, with no definite timeline given. My husband and I have both given 20+ years to public service, paid on our loan for 20+ years, and have made well over XXXX payments and yet we have not been given the same benefits as other borrowers.Moving forward, we have no idea if all this hard work will pay off before the new presidential administration moves into office.

The Dept of Ed has violated my borrower rights by breaking promises, using unfair practices, violating the Federal Law, and false advertising! Our hardships have been unbearable for most of our lives and my husband and I need to know that we can retire without this loan burden. Please help us get answers!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, I made a partial ( 50 % ) payment to my mortgage company on XX/XX/2022. Payment is due in full by XX/XX/2022. I received a letter dated XX/XX/2022 that they could not apply the {$1100.00} upon receipt because it was not a full payment. 2nd half of the payment was sent on XX/XX/2022, at which time they applied both the 1st and 2nd payments as " one full payment ''. So they held my payment for half the month until they received 2nd half. I called today and they said they can not apply partial payments and I think this is wrong. They should apply ANY funds received toward my loan upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company have contacted me about my payment that was due which the charge me double for some passed due and I paid it which was in the same month of XXXX and XXXX. But to my surprise when I call to make my payment for the month of XXXX I was told that I have already paid for XXXX. So please I would like for this incorrect information deleted from my record.
Product: Mortgage

I applied for a refinance with Chase bank. My mother has a mortgage of approximately {$67000.00} at 5.85 %. After my father died in XXXX, I tried to refinance under my name, and was denied. I have an excellent credit rating. I live in XXXX XXXX, and am a property owner there. The date when I received their formal letter of denial was XX/XX/2021. The property is on the XXXX XXXX XXXX XXXX. 

I have since learned that others in the neighborhood on the XXXX XXXX XXXX XXXX have also been denied a refinance with Chase.

I was referred to their " Escalation Department, '' and was told that someone would get back to me in 48 hours. I called them 72 hours later, and was mysteriously disconnected TWICE. I am still attempting to get through to them. When this disconnection happened the second time, I decided to file a complaint. I am still on hold after the third call with Chase as I'm completing this complaint.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/CARECR. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I mail my third dispute letter XXXX, due to still not having my payments updated as current, all I ever received is it's been verified, with no proof. I requested proof of the previous investigation, I requested records of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late. XXXX  XXXX XXXX XXXX  ( XXXX XXXX ). I asked for third time that you updated my payments to current. I have provided enough proof, that my payments were paid on time, or arrangements have been made do COVID-FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ), and XXXX  XXXX Loan extension FCRCA-FCRA mandates that credit bureaus must report accurate information about a consumer 's credit history, including late payments, which means they can not report a payment as late if it was made on time even with a loan extension. I attached proof of my information. Update my information I will have to seek legal action. I also attached a complaint to the XXXX  state attorney general ( Consumer complaint ). 

Update the following incorrect information on my credit report. 

XXXX XXXX as current XXXX and XXXX are current- XXXX XXXX XXXX COVID government law, the coronavirus Aid Relief, and Economic Security Act, passed by congress, addressing the FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ). That the furnisher of data to the consumer reporting agency that allows consumer to defer payments, make partial payments, modify payments should not report the account as delinquent, but should continue reporting it as current. 

XXXX XXXX XXXX Each month state I'm 30 days late, Common sense I can't be 30 days late each month I can't be 30 days late each month that an error XXXX XXXX Both XXXX and XXXX are current, again common sense shows I should also be current for that month I was not late. If I was on time the month before and the month after, XXXX XXXX XXXX XXXX and XXXX show current how can XX/XX/XXXX be late? 

XXXX XXXX Both again XXXX and XX/XX/XXXX both show as current how can XXXX be late?? 

XXXX XXXX XXXX  -I Provided proof I was not late and overpaid for those months and was not late XXXX XXXX XXXX - I overpaid my payments for those months I provided proof. 

XXXX XXXX is showing up 60 days late, I was given a loan extension, which should not report late on my credit report as late its the law- I provided proof of loan extension. 

Update my payments as current or I would have to seek legal action, I have additional documents as proof, yet you have not provided me with and proof these payments have been late but keep reporting my credit and damaging and hurting my credit. 

I asked if they can not provide me with information proof of the information within 15/days paid never late and requested updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I made a {$300.00} payment through my Chase Bank XXXX service offering transfers. The recipient was a scammer and I called my bank to report the fraud.

My bank said they would try to recover the funds but there was nothing else they can do about the fraudulent transaction.

As a trusting consumer and loyal customer to my bank, your bank should not offer any services that are not backed up or protected by the bank.

As a consumer, I trust that any service your bank offers should be protected and safe, I mean it's your bank.

The transfer went from one bank to another so it should be protected.
Product: Credit card or prepaid card

Synchrony bank closed 8 separate credit accounts on XXXX with no explanation. I have paid more than minimum on all accounts and never missed a payment. My credit score has been holding steady or climbing over the past 2 years as our family has grown and we have been using these accounts to help finance furnishing and remodeling our new older home. Losing these large credit lines and safety nets for no apparent reason is going to XXXX  my credit score and our safety net with the Care Credit account is gone. I have read countless reviews now about how heartless this company 's customer service is and due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am afraid to call and go through all that. Why would they close all the accounts of a good paying customer??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right. 2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose. 4. 15 U.S.C 1681 ( a ) ( 3 ) - it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. In light of the law 's clear violations, your agency must take the following action : 1. remove the inaccurate information from my consumer report. 2. Provide documents proving an investigation was conducted. 3. Provide a confirmation letter stating the information has been removed. 4. Rectify my credit report to ensure it no longer includes inaccurate information. Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Product: Debt collection

I checked my credit report and saw that there is a XXXX against me. The reference number is XXXX. I DO NOT have contract with Capital One Bank USA, NA. This account is showing as being paid in full. This has been going on for more than 7 years and they have refused to remove it from my credit which is affecting me because I can not buy a house unless this XXXX is removed/deleted from my all XXXX credit report agencies. 
Public Record Details Reference Number XXXX XXXX XX/XX/2013 Status XXXX Amount {$1500.00} Classification XXXX Type XXXX Contact Details : XXXX STATE COURT XXXX XXXX XXXX, GA XXXX XXXX
Product: Debt collection

I have not received any communication from this collection agency to verify this debt belongs to me. The collection agency reported this on my XXXX  credit report without me being notified of any debt. I have sent several written correspondence to this collection agency for prove of debt and they have failed to send any correspondence back proving this debt belongs to me.
Product: Credit card or prepaid card

I pay ALL my bills on the XXXX of the month with no problem ( i.e. XXXX, XXXX, XXXX XXXX, Home Depot etc. ). This credit card, Best Buy Credit Services, charges me a LATE FEE of {$28.00} and this time {$39.00} because as she ( Ms. XXXX, Mgr ) put it, " I must pay between the XXXX to the XXXX of the month '' and If I pay " early '' I will incur a LATE FEE. 

Last month they credit me the {$28.00} late fee, this month they say they are unable to credit the {$39.00} late fee because It's the 2nd time that I do not pay between the XXXX & the XXXX. 

This is " unfair '' practice and their way to abuse the " consumer ''. I shouldn't be penalized for paying my Statement within the current month.
Product: Mortgage

Mortgage company is Wells Fargo. Wells Fargo created two accounts using my SS number as an EIN. Then on XX/XX/2021, XX/XX/2021, and XX/XX/2021, Wells Fargo debited my mortgage escrow account {$650.00} ( 3 times ) to send payment for a hazard insurance premium due to XXXX XXXX. XXXX XXXX contacted me that payment had not been received, and that the policy would terminate. The policy terminated and was renewed after one payment was received. Wells Fargo had stopped payment on 2 of the 3 checks. Only one ( 1 ) credit escrow account has been received or only one of the two stop-payment checks. They will not remove the inaccurate account they created using my SSN as an EIN. I can not use on-line banking because of this. Wells Fargo states that XXXX XXXX should refund the credit.