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

I submitted a complaint about this company in XXXX. They resolved it, but now the same thing is happening again. This is the THIRD time FedLoan 's misreporting has resulted in adverse accounts on my credit reports and a massive drop of my credit score. Each time they claim they are doing nothing wrong, but clearly there's something wrong with my accounts in their system. I wonder whether they need to wipe my accounts and re-establish them. In any case, my husband and I are closing on our first home in a month, and FedLoan 's negligence is materially harming our chances of a smooth closing. 

In XX/XX/2018 I noticed that FedLoan had incorrectly reported multiple months of delinquent payments. I found this because my credit score suddenly took a massive hit, and credit reports confirmed it was incorrect reporting from FedLoan. I disputed it with FedLoan and with all three credit reporting bureaus. The bureaus all found in my favor and corrected my reports ; meanwhile, FedLoan agreed I had no delinquent payments. 

The same thing happened in XXXX. 

Now FedLoan is YET AGAIN incorrectly reporting delinquent payments. I called them, and all they told me is that my accounts were paid in full. They pointed a finger at the credit bureaus.

I need this resolved completely -- FedLoan to stop misreporting and my credit scores and reports to be updated and completely accurate -- absolutely as soon as possible. My next step, if this happens again, will have to be legal action, and I'd prefer to not go that route.
Product: Payday loan, title loan, or personal loan

Possible Finance only allows you to make payments with linkable bank accounts through a company called XXXX. My bank is XXXXXXXX XXXX  through XXXX XXXX and, for reasons I dont know, isnt linkable, so Im unable to make payments. Thinking there must be another way to pay, I reviewed Possibles payment procedures and it confirmed that this is in fact the only way to payand their noted solution is to try again from a linkable bank account at a later date. This is caused me to be unable to make payments and two 30-day lates on my previously perfect pay-history credit report. Ive opened a dispute with the three credit bureaus but nothing has changed to-date. If Possible Finance is going to report adverse pay history to credit bureaus, they need to give consumers the ability to pay with any bank account they choose, accept debit cards without having to link a bank to the card or allow in-person payments at XXXX. I would like help from the CFPB in removing the adverse credit reporting and requiring that the lender accept enough money to pay off the loan ( {$200.00} ) from a non-linkable bank account.
Product: Checking or savings account

I'm XXXX year old XXXX living alone. I work part-time at a non-profit to help pay my monthly bills since XXXX isn't enough to live on since my XXXX in 2017 after over XXXX surgeries. During this time Trustmark Nation Bank Employee Trust department XXXX XXXX XXXX contacted me regarding distribution of trust that I was part of from being employed with them for almost 9 years. They instructed me to go open up checking acct so they could deposit funds & I did. My church soon took over due to me being severely ill with a XXXX XXXX XXXX & my XXXX representative meet with XXXX XXXX XXXX Trustmark instructing them to close checking acct. & to deposit funds into my XXXX acct. Account was never used by me. I've tried calling & emailing 4 Trustmark VP 's regarding this & nobody will call me back. Trustmark 's attorney will not call me back. 
Writ of Garnishment was issued for {$1200.00} of BANK FEES against me last month. Nine long years I worked there. I was locked in bank twice from working late but never paid overtime & they do this for bank fees. I still have all documentation & I'll be happy to send to anyone. I'm surprised the any Judge signed it honestly because of it being ALL BANK FEES? I thought FTC stopped them from over charging bank fees? I can not pay for my medication now or buy groceries.
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX XXXX, experian and XXXX correct erroneous information. I attempted to order.my free annual.report and was denied. I have a common name and they regise to make corrections on my report
Product: Credit card or prepaid card

Credit not applied for purchase not made even though merchant reimbursed my account. Also Capital One rebelled me for same charge merchant reimbursed me for. The original charge never taken off my credit account {$26.00} dated XXXX XXXX. This charge is on my 4 times, I only completed transaction one time around XXXX XXXX ( purchase from XXXX  order # XXXX ) that is the only order completed. Capital One exploits the consumer cyber crime is the most hedious prevalent crime being done today. with this pandemic going on cyber crime is getting worse. If you can not resolve the issue please take it to the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1691 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for an purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as a concerned consumer and your client to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) and specifically Code XXXX681 ( I ) in relation to my credit report. It has come to my attention that the negative items on my credit report have been inaccurately updated due to a recent breach of the Consumer Financial Protection Bureau ( CFPB ).

Code 1681 ( I ) of the FCRA clearly stipulates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. It further mandates that if a consumer disputes the completeness or accuracy of any information, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information within 30 days, unless the dispute is frivolous. 

I have thoroughly reviewed my credit report and have identified multiple negative items that have been updated without proper investigation or validation, resulting in misleading and inaccurate information. This erroneous update can be directly linked to the CFPB breach, which compromised the integrity and security of the information provided to credit reporting agencies such as yours. 

I am providing you with a detailed list of the inaccurately updated negative items on my credit report : [ Include a list of negative items, specifying the creditor 's name, account number ( if available ), date of update, and a brief explanation of the inaccurate information. ] I request an immediate investigation into these inaccuracies as required by Code XXXX ( I ) of the FCRA. It is essential that your agency adheres to the statutory obligations imposed by the FCRA to ensure the maximum possible accuracy of consumer reports. The inaccurate negative items resulting from the CFPB breach not only harm my creditworthiness but also violate my rights as a consumer. 

I kindly request that you take the following actions : 1. Initiate an immediate investigation into the accuracy of the negative items mentioned above.

2. Provide me with a written statement confirming the initiation of the investigation within five business days.

3. Correct or remove any inaccurate negative items resulting from the CFPB breach within 30 days, as mandated by the FCRA.

4. Provide me with a copy of the updated credit report reflecting the necessary corrections and updates once the investigation is complete.

Failure to comply with the FCRA and rectify these inaccuracies will leave me no choice but to seek legal recourse, including filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action to protect my rights as a consumer.

I anticipate your prompt attention to this matter and a timely resolution in accordance with the law. Please provide a written response within 15 days of receiving this letter to confirm that my concerns are being addressed. 

Thank you for your immediate attention to this serious matter. I look forward to a satisfactory resolution. 

Yours sincerely, XXXX XXXX
Product: Debt collection

Our alleged servicer/collector either purchased or had a debt transferred to them from Bank of America N.A on or about XX/XX/XXXX. XXXX has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times XX/XX/XXXX and 2 times XX/XX/XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation XX/XX/XXXX to intimidate and harass us. XXXX refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company XXXX XXXX XXXX have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.
Product: Debt collection

The statute of limitations on debt in the state of Texas is four years which makes this supposed debt a time barred debt. According to the FCRA once a debt is time barred it can not be reported to the credit bureaus which means LVNV Funding is in violation of the FCRA. I have disputed this with the credit bureau and LVNV Funding refuses to remove this from my credit report and so I am reporting their FCRA violation to the CFPB.
Product: Money transfer, virtual currency, or money service

I want a vendor at an outside market on XX/XX/year> and a customer wanted to pay for an item using cash app. This would have been the 3rd payment received for the day without issue and the amount had not exceeded {$50.00} for the day. As I tried to accept the payment, I received a message that I needed to confirm my identity. I have had the cash app account for over a year and it is linked to my bank account and never had an issue. 
I tried to enter the information to confirm my identity and it kept asking for more and more information which slowed me down and caused my line to back up. The person who paid cash app said once I confirm my identity I can accept the pending payment. I tried to do that, unfortunately I received a message that the pending payment was declined. I also had to enter my personal information several times and reach out to customer service before that confirmed my identity. When I asked about the payment the rep said I would have to send a request to the person for payment-mind you this is a person who already has the item, yet I am still having an issue retrieving the payment they sent by way of cash app. After chatting with customer service through the app I called the next business day and I was told if the person does not accept my request for payment, even though they sent it and cash app declined it, I would be out of the {$25.00} payment. They also told me there was no more they could do and I would have to hope the person decides to accept the request for payment. I have sent two request to the person with no response.
Product: Mortgage

This complaint deals with checks issued by Wells Fargo Bank I am attaching copies of the letters we received telling us to cash the checks and we will still be able to be included in the settlement.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with XXXX XXXX and have been overcharged or they have not proved I wasn't and are rude and careless when contacted. Neither the store, nor corporate has taken any measures to fix the matter. Every company has to have a person in charge to do their job and cash express is being negligent of all matters. I called and spoke to the XXXX XXXX once, who said he would look over it and call back, but never did. No action has been taken to prove the fee charged and correct the actions of the store. I am going to pay it off asap and never consider them again, nor recommend them to others, because they are the most careless place for loans on earth and are fraudulent to overcharge and not verify charges.
Product: Credit reporting or other personal consumer reports

I am doing follow up for my recent complaint dated XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX  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 XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Aplique a un prstamo personal mediante la aplicacin mvil Experian con XXXX XXXX XXXXl y me dijeron que estaba aprobado y luego al parecer ellos me informa de que no estaba aprobado despus de crearme un inquiry en mi reporte de crdito.
Product: Credit card or prepaid card

I received a refund check from Synchrony Bank for the amount of {$750.00}. I have been trying to get the check reissued as the check is expired. It has been since XX/XX/21 that Ive been trying to get a check reissued to me. I have spoken to 4 different representatives. I have a reference code ( XXXX ) and have addressed supervisors during each call. I keep being told that it takes 10-15 days for the check to be reissued. Its been months. I still have the check. I offered to mail it back. They have admitted that I have not received the funds or cashed the check.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX 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 an account without my written i
nstructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 U.S.C 1681 ( a ) ( 2 ) I consumer never gave Equifax written consent to report anything on my consumer report. I am one of the millions of consumers that have been affected Equifax inaccurate credit scores.
Product: Student loan

On XX/XX/XXXX at approx. XXXX EDT, I spoke with a XXXX representative. I was informed that Loans 1 and 2 were on PAYE while Loans 6, 8, and 10 appeared to be on IBR because Grad PLUS loans are not eligible for PAYE ( which is not my understanding ). When I filed my original income driven repayment application with XXXX ( my old servicer ), all the loans covered by it were put on PAYE and in section 2, box 2 of my original application, I specifically requested loans be put on the PAYE repayment plan. As such, no loans should currently be or ever have been on IBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent inquiry was made by XXXX XXXX on XX/XX/20. I contacted XXXX and filed a dispute with equifax. XXXX verified the inquiry was fraudulent and informed me they were updating the information. Meanwhile, eqifax fail to remove the inquiry and would not investigate, stating it was a fact of record. After 30 days I reached out to both and again, was told by each business to contact the other and wait for 60 days. After the 60 days, I checked my consumer file and the inquiry remained. Again, I file a dispute, but the inquiry was not removed, nor was an investigation performed. When I contacted equifax for the 4th time, I was informed again, they would remove the inquiry after receiving notification from XXXX. So I called XXXX again and was informed they were sending another notification to equifax today XX/XX/20. XXXX, the resolution manager at Eqifax said they had not received anything from XXXX, even though XXXX said it was sent today and the inquiry should be removed in real-time. XXXX was also unwilling to provide any other supervisor above her, nor was she willing to investigate the matter. I enclosed three emails from XXXX  that the information would be removed.
Product: Credit reporting or other personal consumer reports

I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.
Product: Credit reporting or other personal consumer reports

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : Balance : {$5500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my trans union and XXXX  credit reports from XXXX. I believe this is a XXXX credit card however I do not have a XXXX credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but I hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not mine.