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

I am writing to file a formal complaint regarding the continued presence of inaccurately reported accounts on my credit report, despite many attempts to have them removed. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the removal of the accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me remove these accounts immediately : XXXX XXXX XXXX XXXX : {$XXXX} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$XXXX} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$XXXX} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX XXXX Balance Owed : {$XXXX} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why an {$XXXX} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 

XXXX XXXX XXXX XXXX : {$XXXX} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX  XXXX XXXX Balance Owed : {$XXXX} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX  XXXX Balance Owed : {$XXXX} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$XXXX} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card or prepaid card

They said it was sent friends and family. That is a gift and no money will be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach with XXXX credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called XXXX XXXX XXXX to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX  accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with XXXX, but they keep asking for more information from identitytheft.gov. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on identitytheft.gov. This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.
Product: Student loan

Department of Navient belongs to a family member. I have never received a bill stating the loans were due. The information receive was after the loan were in default. I am XXXX  and trying maneuver financially but I can not due to information reporting. Loans fall under Authorized user so I am requesting they be removed from my credit. 

XXXX XXXX, also belongs to a family member.
Product: Checking or savings account

I am writing a complaint on Navy Federal Credit Union regarding multiple overdraft fees i have incurred. despite having insufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Debt collection

RFGI has been reporting a fraudulent debt knowingly, in addition I do not owe this company anything nor have I ever done business with them or the " client '' they claim to represent. 

I was sent 1 notice from their client XXXX allowing until XX/XX/XXXX for me to contact them to resolve. This company did NOT honor their demand for payment letter and refused to discuss situation with me. The agent instead informed me she would immediately be sending to collections. They broke the FCRA statutes and also have no business with me as I never initiated ANY contract or agreement with that company. I purchased a puppy from a local retailer, that is who I had a relationship with. This XXXX  company is a payment processing intermediary who apparently handles payment processing for store utilizing predatory methods. I opened a XXXX XXXX account. Please see attached Inquiry reflecting account application. I informed both companies that their debt collection activities are unfounded as I was sent a fraudulent contract with information which did not belong to me, a forged signature and incorrect figures relating to my purchase. 

I have tried to address myself but both organizations are unethical and believe that I'll end up giving in since I have good credit. I will formally litigate if we are unable to resolve. 

I have also included my purchase contract, CASH down payment receipt for {$1000.00}.
Product: Student loan

I enrolled in REPAYE income-driven repayment plan for my federal student loans on XX/XX/XXXX. I recertified this repayment plan on XX/XX/XXXX as is required on an annual basis. The Federal Government transitioned all borrowers enrolled in the REPAYE plan to the SAVE plan, therefore, my loans are now enrolled in the SAVE repayment plan. Per this plan, my monthly payments should be calculated based on my adjusted gross income from the most recent tax year at the time of recertification. I recertified in XXXX, therefore, my monthly payments should be calculated based on my XXXX annual gross income of {$5100.00} and amount to $ XXXX. 

My loan servicer, MOHELA ( A Dept of Education servicer ), has erroneously calculated my monthly payment beginning XX/XX/XXXX to be $ XXXX. This is incorrect. I called MOHELA customer service today, XX/XX/XXXX, to inquire about the basis for the monthly payment. The representative could not justify the monthly payment calculation nor did the representative recalculate my monthly payment correctly. I was directed to re-enroll in SAVE, however, I am already enrolled in this plan.
Product: Debt collection

Received call from AR Resources INC. without identifying who they are first. Representative stated is this XXXX XXXX and I asked who is asking and the person did not want to identify his/herself. On XX/XX/19, I noticed this account was submitted to credit bureau without given me the opportunity to pay. I called the company and paid my debt. Payment confirmation # XXXX and AR Resources stated the account would be deleted from the credit bureau. Please have company expedite this request because I need them to take this account out of my report. 

Account # XXXX Paid in Full {$500.00} on XX/XX/19
Product: Debt collection

They have been after me for years. Repeated calls, throughout the day, at all hours. They have sued me in small claims court. They have attached my wages. Since I changed jobs, they are back to harassing me on the phone.
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit card or prepaid card

I am having problems with the bank that Fema uses JP Morgan - a lady just called me, and this is the problem -I put in a dispute last XX/XX/2018 with J P Morgan Bank about XXXX XXXXwhich is a Travel agency with the XXXX XXXX XXXX  that I stayed at deals with. I only stayed at this hotel because all others were booked in XXXX Florida because of a football game, any way I called the XXXX  XXXX made sure they had availabily and they did -so I went there for 5 days and when I asked them for a billing invoice they refused and were whispering underneath their breath, so I thought at least I would get before I left the hotel, but they refused and said that I had to contact their travel agency- now J P Morgan first had this lady to handel my case with the last name XXXX- who did nothing so I called J P Morgan s executive office and reported that this might have some discrimination, because XXXX and XXXX were both XXXX - then they got a lady named XXXX XXXX and she wants to go by any paper work that XXXX writes up XXXX and I told her anyone can type up a paper with no signature on it and say I did or any one else did sign up, now they sent all but {$400.00} and this bank has been sneaky and underhanded from the start- they told me they need to check a few more things while keeping me waiting for money that I sent to them. This was reported back in XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX15 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 reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a Mortgage with LoadDepot. I have had my payment on auto payment since I opened the mortgage. One day I decided to switch cards to my wifes account using her account number and routing number. I did it successful with no problems. I went online one day to pay a principle payment like I have did before. I realized my mortgage wasn't paid so I clicked a button and paid it. I didn't think nothing of it I just thought maybe it will activate the autopay the following month. Every month I transferred money to her account to make sure the payment goes through whenever the autopay is drafted. Fast forward to XXXX I receive a notification that my credit score has dropped XXXX points on all three scores.Im serious about my credit and my finances. I looked and it said late payment. Im confused because I have over XXXX on time payments in the last 5 years. I realize its my mortgage. I immediately call LoanDepot to figure out what's going on. The lady on the phone tells me we kicked your form of payment off of your account because the name doesn't match the name on the account.I asked her why wasn't I notified about this. Ive never received any phone calls or mail or emails. The next day I received a letter in the mail from LoanDepot saying that I am 44 days late and I'm at risk for foreclosure. Im confused because I have more then enough money to pay my bills on time. I called the company and paid with my original card I had on file before XXXX immediately to make sure my debt was cleared. I have written 3 letters and made several phone call and several emails to the company and they treat me like I'm worthless. They don't care about the customer. Ive reached out to LoanDepot on social media and begged for somebody to help me and to reach out to me and they blocked me. I feel its unfair to me because I have two phone numbers on file and never received any phone call or voice messages. I never received any mail until it was too late. Im begging for help and nobody wants to help me get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a XXXXXXXX XXXX  XXXX ( XXXX ) request to Experian regarding disputed accounts on my credit report. This request was delivered to Experian on XX/XX/year>, as confirmed by certified mail return receipt. Despite receiving my request, Experian has failed to respond within the legally required timeframe of 15 days, as mandated under the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX ) ( XXXX ). 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In my XXXX request, I specifically asked Experian to provide : The method used to verify the disputed information. 
The documents or evidence relied upon during their verification process. 
Details of Experians internal investigation procedures. 
As of today, XX/XX/year>, I have received no response from Experian. Their failure to provide the required information constitutes a violation of FCRA XXXX ( a ) ( XXXX ). Moreover, their continued reporting of unverified information violates FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates the removal of unverifiable information. 

Impact on Me : XXXX noncompliance has caused : Financial harm : Inaccurate and unverified information remains on my credit report, lowering my credit score and limiting my ability to access financial products. 
Emotional distress : Experians inaction has created significant stress and frustration List of disputed accounts XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX 
XXXX blatant disregard for federal law has caused undue harm, and I respectfully request the XXXX  assistance in ensuring compliance and protecting my rights as a consumer. 

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

After pulling my credit report, I could see that XXXX  was reporting late payments on these days listed ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I've called XXXX several times to get this inaccurate information removed because my accounts were never late. The XXXX reps never helped with disputing this inaccurate information. It was never removed or updated. This is against the FCRA and 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : XXXXXXXX XXXX under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal, deletion and blocking of these item within the next 4 business days, according to XXXX XXXXb of Fair Credit Reporting Act. As it is incorrect and does not reflect my true credit history. I was impacted by Data breach. I requested that all account be removed and blocked. I've submitted required supporting documents to credit agency for removal and blocking of accounts on my credit profile. 
Accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the items i am asking you to verify as accurate. 
Transunion XXXX XXXX  XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must delete any erroneous accounts from my credit report. Can you verify the documents? Several accounts have incorrect reporting, amounts, and dates.