23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax Data Breach that happened XX/XX/XXXX though it became public in XX/XX/XXXX. A settlement was finalized and the claims period was extended to XX/XX/XXXX. I submitted my claims XX/XX/XXXX. I gathered all my evidence that my information leaked to third parties and othe furnishers. I am still receiving solicitations yet i have opted out and froze my accounts on the 3main bureaus. I spent time and money gathering my evidence and that needs to be compensated. According to media reports, Equifax assumed that most people would not bother to submit a claim. But i submitted the claim. 25hrs is not enough time to gather information and prove that my information was affected by the data breach. Hope Equifax has put measures in place to protect consimers information from being breached again and their business practices have improved to work with us consumers.
Product: Debt collection

They are charging me interest on a debt owed to XXXXXXXX XXXX and upon further inspection of my contact, there was no interest applicable, stated, nor agreed upon. This is a violation of the law. Removal from my credit report and establish a payment plan for the actual amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting requests for XXXX months with now with no response at all form XXXX about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported correctly. XXXX has activity on a collection account. and XXXX continues to illegally update the DAte of last active and re-age this account. 

Equifax continues to report current and positive payments on an account they mark as a closed and paid collection! they refuse to remove this inaccurate information and continue to update the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with XXXX XXXX, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used XXXX own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, XXXX reported me as late even though the reason is Covid, and my credit score dropped significantly. XXXX tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, XXXX does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. XXXX ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from XXXX to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputesT information. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. 
Below is a list of the items I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
Enclosed, you will find copies of all relevant documentation to support my dispute.
Product: Vehicle loan or lease

After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX, TransUnion received a dispute letter along with supporting documents regarding the following inaccurate items listed on my TransUnion credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX I received their response on XX/XX/XXXX, stating that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report or it was another credit reporting company. 

Immediately, I checked my report to verify their claims. Upon checking, the items were still listed. I then reached out to their customer support and chatted with XXXX. XXXX also confirmed the items were not there. I expressed to him that they were still listed everywhere I checked. He was not able to explain why. I told him I would wait a while. Here we are over 100 days later and all three items still appear. 

Not only do they appear on the credit report, but they are also listed in the dispute section of my online TransUnion account. No other bureau is reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems LLC and XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

Today XX/XX/2019 I received a call from my father that structured settlement left  him a voicemail at our church stating this message is for XXXX father and to contact XXXX. He contacted them back and XXXX tells him Im bouncing checks and it now involves them. This is unacceptable on so many levels. Also I never received anything in writing from the company the first time they called me and told me it was from mountain summit I set up a payment arrangement however I then called the original creditor and the guy didnt know who bought the debt so I stop the payment and they continued to go in my account and now they call my church this is outrageous
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XXXX of 2021 XXXX  made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days
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 with my written instructions.
Product: Mortgage

My property taxes where left unpaid for over a year, Freedom paid {$790.00} in late fees. I understand taxes increase and so does insurance premiums. However, two increases of impound account should not increase my payment {$760.00} monthly. The paperwork I received XX/XX/XXXX, states my new payment will be {$3000.00}. My payment started at {$2200.00} then went to {$2.00}, XXXX and now is {$3000.00}. I'm a 100 % veteran living on a fixed income. I can not pay this new payment! This matter needs to be handled before my XXXX payment is due, please. The VA requires my loan to be impounded. Freedom mortgage obviously, can't manage my impound account. I have spent days on the phone trying to correct your lack of property tax payment. Please help me. 
Thank you, XXXX XXXX
Product: Credit card

Almost a year ago, ( in XXXX ) I started with XXXX XXXX and was given the phone number XXXX. I started receiving debt collection calls from Wells Fargo ( and several other companies ). I told them REPEATEDLY that I was not the person they were trying to reach ( XXXX XXXX XXXX. I phoned and spoke with XXXX different people who said they would take care of the daily calls and the calls NEVER stopped. I ended up writing to their headquarters and received a letter in response. It took another several calls before the calls finally ceased. Today, after almost XXXX year later, I received another call from Wells Fargo trying to contact XXXX XXXX. Obviously they have never up-dated their records. Why must I be getting these phone calls just because Wells FargoXXXX, etc. were XXXX enough to give this person credit? I am sick and tired of using my contract minutes ( on my phone ) trying to straighten this out!!! What else can I do?????
Product: Credit card or prepaid card

In the sale & transfer of a credit card portfolio between major banks ( XXXX 's to Comenity ), I accidentally directed a sizeable payment from my XXXX deposit account to my Mastercard account number at XXXX 's. The payment has neither been refunded by XXXX 's, nor remitted to Comenity on my behalf despite my inquiries. Proof that XXXX 's processed and accepted my funds in the amount of {$1800.00} has been furnished to XXXX 's by XXXX. Despite this, and multiple phone calls to XXXX 's, this issue has not been resolved. 
Following this, I reached out to Comenity to try and resolve this issue ; I sent a detailed breakdown of the payments as follows : XX/XX/2022 - {$230.00} XX/XX/2022 - {$460.00} XX/XX/2022 - {$1800.00} - these payments were to XXXX 's ( not realizing the account had been sold to Comenity XX/XX/2022 ). Also, I'd looked at the wrong amount when I made the final payment of {$1800.00}. The original charge to the account was in the amount of {$1800.00} Upon receiving statements from Comenity Bank saying I still owed {$1400.00}, I realized the account had been moved from XXXX 's. Filing disputes with both XXXX 's and Comenity, I continued making payments so as not to accrue anymore late payments. The following payments were made to Comenity as follows : XX/XX/2022 - {$29.00} XX/XX/2022 - {$370.00} XX/XX/2022 - {$1000.00} In conclusion, I have paid {$2500.00} to XXXX 's and {$1400.00} to Comenity Bank for a total of {$3900.00}, when the original charge was {$1800.00}. 

XXXX 's has completed its investigation- per a letter from their Office of the President- and haven't located the missing funds. It is now in the hands of Comenity Bank. 

Thank you, XXXX XXXX
Product: Debt collection

THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED. XXXX XXXX XXXX, XXXX is reporting a collection account to all XXXX of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have never received any correspondence from XXXX XXXX XXXX, XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hackers stole sensitive financial data and my social security number from Equifax and company failed to alert me.
Product: Student loan

I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

I received a credit alert on XXXX XXXX informing me that JPMCB has a hard inquiry on my report, when I didn't apply for anything on this matter I was sleeping and the report appeared. 
On XX/XX/2023 At approximately XXXX On a personal note I don't deal with Chase bank anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, ... ... ... ... ... ... ... ... ... Account XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$190.00} Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
* I am advising that these listed inquires e removed from my credit report XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Product: Debt collection

Back in XX/XX/XXXX, reached an oral settlement with XXXX bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XX/XX/XXXX received an invoice from XXXX  bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XX/XX/XXXX. 
In XX/XX/XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX regarding the re-appearance of an old account that was deleted. First of all the removal was for an error account that was not mine. Second of all this reporting was deleted due to inaccuracy issue and reappeared again. XXXX XXXX stated that I need to contact the credit bureau TRANSUNION regarding this reporting ERROR. 
I did NOT receive any writing documentation from the creditor XXXX or the credit bureau as a statement within 5 business days from this false information was reported by error based on the 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed or never existed from a consumer 's credit report. 
XXXX failed to provide any documentation based on the U.S. Code stated above.

CREDITOR HAS NOT MET ITS OBLIGATIONS UNDER FCRA 15 U.S.C. 1681S-2 AND THE ASSOCIATED REGULATIONS KNOWN AS THE " FURNISHER RULE '' AT 16 C.F.R. 660 CODE.
Product: Mortgage

In XXXX I called BOA because due to Covid 19 I lost my XXXX XXXX. I was struggling to make my payments and I was very worried about future payments as well. I called and they put me on a forbearance plan which ended in XXXX. On or about XX/XX/2020 I received a letter stating that If I made my mortgage payment by XX/XX/2020 then my 5 month delinquency would be put at the back of the loan. On the XXXX of XXXX I received a call from BOA stating the same information. I followed instruction and paid my XXXX payment and did that. BOA recently sent me a loss mitigation package in addition to a new statement stating that I owe XXXX. I called BOA and spoke with my representative and she said that the XXXX letter that was sent was a mistake and to fill out the loss mitigation package that was sent. She also stated that a lot of people were calling about the same thing. I am tired of BOA has robbed me once and I refuse to let them do it again. When the mortgage crisis was out I asked them for a year for help and got no where with them. When the Department of Justice modification came out BOA conveniently transferred me to XXXX XXXX  and I was given the hamp program. Don't get me wrong I appreciated receiving that program but I should have received the DOJ modification. Instead they put a XXXX balloon at the end of my loan instead of forgiving it, It is evident that was their intent. After XXXX  modified me I was transferred back to BOA. The DOJ even said how well and quick the resolved these issues with their customers. I will not allow them to take anymore money from me. Now they want to review my loan so they can change my interest rate increase my payment as well. I put XXXX down on the purchase of this property and 14 years later I owe more than when I started. They are doubling up and getting their money twice. They are receiving the original principle and then adding the delinquency. I am tired of being robbed by them. It seems everything they do benefits them and not the homeowner.
Product: Student loan

At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/XXXX due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. I received an approval letter on the XXXX of XXXX for the forbearance. Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected. 


Follow up XX/XX/XXXX XXXX from consumers affairs After forbearance was approved on XX/XX/XXXX and removal of the charge back. Associate with in the Department of consumer affairs told me that a representative from the payment arrangement department would you get in contact with me with in a week after this for marr A associate with the Department of consumer affairs told me that a representative from loan department will contact me to set up the payment plan. 

On XX/XX/XXXX I made a call to the payment department and they stated they did not have my charge-back. They stated they would be in contact with me in the following coming weeks to set up the payment plan. 

I never received a phone call or an email in regards to this payment plan. Nor was I told that in order to keep my account positive I needed to make the payment plan before the end of XXXX. I have a call log and messages to confirm when I am stating. 

On XX/XX/XXXX, My cosigner received a letter of default. I in fact have not received any letter or email stating that I was going back into charge back. How is this possible I did everything right yet Navient continues to ruin my credit?