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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found fraudulent items there. I have never applied for such cards. Please investigate the situation because the scammers have all my info. XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently came across information regarding the CFPBs lawsuit against Experian. I believe I was adversely affected, as my chances of obtaining credit were negatively impacted after receiving a response to a prior dispute stating that the accounts in question had been verified. I request that you either provide the necessary evidence to support this verification or promptly remove the disputed accounts.

Violation 1.

Fraudulent Claims and Misrepresentation XXXX XXXX XXXXXXXX Fraudulent Collection Attempts : If a collection agency continues to pursue a debt that has been discharged and reported via a 1099-C, they could be engaging in fraudulent practices. This might constitute fraud not only against the consumer but also potentially against the IRS, as it involves misleading actions regarding the status of the debt. 

Violation 2.

inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 611, 15 U.S.C. 1681i. The information listed below has been added to my credit report without my consent or prior notification and must be corrected immediately. 
According to the FCRA, any information added to my credit report must be accurate, complete, and verifiable. I believe this account was added in violation of my rights under the FCRA, specifically : Section 605B ( a ) : This section requires that I be informed and given an opportunity to respond to any account or transaction being placed on my credit report.

Section 623 ( a ) ( 1 ) ( A ) : This section mandates that information providers must not furnish information to credit reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. 
I request that the entry be investigated under the provisions of the FCRA, and that the account in question be removed from my credit report if it can not be verified. Please send me written confirmation that this disputed item has been removed. 

Regarding Inaccurate Credit Reporting information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against Experian that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. Experian, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation. 

Dates : XX/XX/year> XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I called customer service to pay off my credit card. They gave me the balance of {$2400.00}. On the same day, I made my payment in full. After making the payment, my account balance was XXXX. On XXXX/XXXX/XXXX, I saw an amount of {$24.00} on my card, I called customer service to find more about those charges. I spoke with XXXX, he was from card services Texas center. He said {$24.00} is the interest charges, after informing him about the whole situation, he said as a one time curtsey they will waive the charges but at that time charges were still pending that 's why he could n't waive it and asked me to call back once its posted. 
I called back on XXXX/XXXX/XXXX and spoke with XXXX from Nevada center, she refused to waive the charge. She said her representatives miscommunicated with me and gave me the wrong information regarding the pay off quote and waiving the charges. She said, she will communicate with her agents on this matter and disconnected the line. She either hung up or the line got disconnected. 
I called back again right away and spoke with XXXX XXXX from Virginia center, she read all the notes written by XXXX on my account and said there is nothing she can help me with.She did n't even go over my account or made any attempt to help me. 

I have made a full payment on my account, if Bank of America XXXX have made a mistake then they should stand behind their mistake and take care of this matter instead of hanging up on me or making excuses. 

I want Bank of America to waive the {$24.00}. 

Thank you XXXX XXXX
Product: Student loan

I served my country in an  XXXX  program from  XXXX   XXXX   XXXX  and received a  XXXX   XXXX  Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in  XXXX  making  XXXX  payments between  XXXX  and  XXXX , with the last successful payment being  XXXX   XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and  XXXX  was accepting them. Things began to change in  XXXX . I have made payments each month of  XXXX  most of which are not being posted to my account.   Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account.     These are the following dates in  XXXX  that I have made an  XXXX  payments :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Unexplained refunds given back to   XXXX   from Navient :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Navient claims to have received payments posting on the following dates :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to  XXXX  they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me  to provide things to prove my case that  XXXX  says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night  by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I  earned by working hard to serve this country to repay my loans.
Product: Prepaid card

I bought vanilla gift card in the amount of {$100.00} on XX/XX/year> and I tried to use it there was XXXX balance on the card. I have initially contacted the vanilla card on XX/XX/year> with case number XXXX. I have provided all the documents they requested and contacted numerous times since then but I have not received any resolution to this problem.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that my credit report contained inaccurate accounts, and I dont understand how this happened. As part of my routine, I reviewed my report, but this time, I found errors that had not been there before. I attempted to refresh my browser, thinking it might fix the issue, but the incorrect accounts remained. Because of this, I am asking for a careful review of the documents I submitted so I can stop worrying about this matter.
Product: Mortgage

There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 
2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. 
These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. 
I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. 
Thank you for your consideration, XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address and rectify an issue that I have recently discovered on my credit report. After reviewing my credit history, I noticed that there are late payments inaccurately reported on my account. I understand the importance of maintaining accurate credit information, and I am seeking your assistance in correcting this discrepancy. 
Below, I have outlined the details of the late payments that I believe have been reported inaccurately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX I have attached supporting documentation, such as payment receipts and bank statements, to validate that the payments in question were made on time. I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report promptly. 
I understand that maintaining accurate credit information is crucial, not only for financial transactions but also for my overall financial well-being. Therefore, I appreciate your prompt attention to this matter and request that the corrected information be reflected on my credit report as soon as possible.
Product: Consumer Loan

This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. This complaint is based on the following issues : Equifax has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, Equifax has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that Equifax 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. Equifax 's failure to do so raises concerns about their compliance with legal requirements. Equifax has not provided me with adequate information regarding the process and outcome of my dispute. Despite multiple requests, they have failed to furnish evidence or a detailed explanation of how they processed my dispute. This lack of transparency hinders my ability to understand the resolution process and assess the accuracy of my credit report. 
In light of Equifax 's failure to conduct a proper investigation and provide transparency, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the fair and accurate reporting of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX their were several fraudulent accounts opened using my personal information without consent. I am in desperate need of these accounts being removed.
Product: Credit card or prepaid card

Apparently, your customers are not " amazing '' as you claim. I have been a cardholder with you for almost 1 year and you abruptly shut out my Old Navy account because 2 payment was returned. I guess you guys want to be cold and heartless during this COVID pandemic. I hold multiple synchrony accounts and to be tossed like trash is not cool. I am on the phone right now with a representative and they even said I had a good payment history and don't understand. They charge late fees and that isn't sufficient enough. They punish the customer and shut the account out completely. They said they could not reopen the account. I would need to reapply. I told them I would never reconsider reapplying with them. I may go ahead a shut out my other accounts with them. I despise Synchrony Bank and do not trust them to meet my financial needs. The representative likes to talk over you. I wouldn't let her. You close the account out so you should listen to what I have to say. I see the reviews online and they did a lot of people like this. I just want this noted with CFPB so others will see they are not the only ones who they treat bad like this.
Product: Checking or savings account

Capital One bank has been holding my deposit for over48 hours. I have not received an update nor have many other capital one customers. Long hold times. They said it would be fixed by Friday morning and the issue is still not resolved. I am receiving late fees and other fees due to my money not being available. They are not communicating with customers on any immediate resolve and they are handling the issue poorly with the lack of updates.
Product: Credit reporting or other personal consumer reports

I requested information regarding potential mortgage products from The XXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of The XXXX XXXXXXXX XXXX to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : XXXX, Equifax and XXXX and they refuse to even investigate this.
Product: Checking or savings account

Wells Fargo XXXX XXXX XXXX is so Screwed-up. 
XXXX XXXX XXXX Choice Wrong Bill Pay. Account to PAY Bill.to SLS Mortgage Payment was NOT due Until XXXX and this Payment is recurring every month. 
WELLS FARGO BANKING SYSTEM. I believe Deliberately. Pick, it's owen. When my Account has LOW Balance to PAY other Bills to PAY. SO BANK can Charge. Overdraft. Protection FEES. And BANK wants Customer FEEL embarrassed to Go along with their ACTIONS.justified. 
Basically. either they Finding Cordway to Make Money.Please See my attach Wells Fargo Bill Payment. Was Schedule and ACCOUNT # XXXX inted they PAID Account # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off status reported by Affirm on my account [ XXXX ] and the failure to provide me with a Form 1099-C, Cancellation of Debt, which I believe is required in this case. 

On XXXX XXXX, Affirm charged off my account, but despite this action, I have not received a 1099-C form reflecting this cancellation of debt for the tax year 2024. According to IRS regulations, when a debt of {$600.00} or more is canceled or forgiven, the creditor is required to issue a Form 1099-C. I have not received such a form, which leaves me unable to properly report this debt cancellation on my tax return. 

This lack of compliance with IRS requirements has caused confusion and uncertainty in managing my financial obligations. Therefore, I respectfully request that the CFPB assist me in resolving this matter by taking the necessary steps to ensure Affirm provides me with the required 1099-C form
Product: Credit card or prepaid card

Opened a credit account with Synchrony Bank through Discount tire on XX/XX/2022 with a a balance of {$1000.00}. Made 1st 2 payments of $ XXXX, well above minimum payments. 2nd payment was a few days late of due date. 3rd & final payment in XXXX the due date was on a Sunday, I paid on a Monday. Was notified of another late charge. I called and had the late charge removed and was informed by the company representative that my balance is XXXX. XX/XX/XXXX, I am notified that my account has been reported as delinquent regarding {$11.00} fee.
Product: Money transfer, virtual currency, or money service

My company XXXX XXXX sells XXXX   parts on XXXX. We are paid through Paypal. We transfer our money to our bank account through a ACH transfer. On XX/XX/XXXX I transferred XXXX to my bank account but it never arrived. I contacted Paypal and they did a trace on the transfer. I got back a ach transfer trace number which according to my bank and several other banks the number is not a ach transfer trace number. A ACH transfer trace number is a nine to twelve numeric digit code. The number I received is 20 digit alpha numeric code. I contacted paypal and told them this was not a correct code for my bank. The supervisor contacted the ach department and was told the my bank would not recognize the code since it was created by there clearing house XXXX XXXX XXXX. I need the correct trace number but have been told by Paypal that they can not help me any further.
Product: Vehicle loan or lease

The loan is paid off I just don't see why the company the acc is close but still have a debt showing in my credit report want to clear this
Product: Credit reporting or other personal consumer reports

I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. XXXX XXXX and XXXX XXXX. Please remove these fraudulent accounts ASAP.
Product: Student loan

I have contracte d Navient for over one yea r. I lost my   XXXX   XXXX   in  XXXX  of  2016 . I sent confirmation of this and my  2016  IRS approved  XXXX  and my current income. Navient has not offered ANY assistance and continues to send me past due communications. They list my current monthly bill at {$950.00} which represents over 89 % of my discretionary income. I have been paying {$240.00} which is above the 15 % max. allowed by law on my loans and have been making monthly payments for over 28 months straight. I will be  XXXX   XXXX   XXXX  in  XXXX  and have contacted the  Attorney Generals Office ( which has a current law suit with Navient ) because of the same issues I 'm experiencing. This company has no desire to work with any of its borrowers. They push you to take a 45 day forbearance which is nothing more than a bandage on the issue- not a solution. Navient does not honoring or even entertain " the income based repayment options '' offered by the Department of Education ( which I have filed and sent the back up documentation to Navient - twice - ( which they ignore ). I would greatly appreciate your help in getting this Loan provider to follow the current laws and options on student loan rep ayments.    XXXX   XXXX   XXXX