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

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated during the time in question ( XX/XX/2019 ). Notably, the approval did not occur until XX/XX/2019, nonetheless, I was approved for backdated the Administrative Forbearance from XXXX XXXXThus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance from XXXX XX/XX/2019. I had to apply for Administrative Forbearance and my application took time to process, however, my application was ultimately approved on XX/XX/2019, which included a backdated Administrative Forbearance from XXXX XX/XX/2019. The credit reporting agencies have accepted the response form the creditor that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by a correspondence from the creditor, which is attached, and no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. It can not be said that an Administrative Forbearance was not effective in XX/XX/2019 when all XXXX ( XXXX ) delinquencies occurred, by the very language of the correspondence received from the creditor. Thus, all credit reporting agencies have completely disregarded the evidence I have submitted clearly proving the Administrative Forbearance was backdated and effective during XX/XX/2019, while accepting the creditor 's factually deficient and legally incorrect statements that payment was " late '' in XX/XX/2019 during a time that I was provably in Administrative Forbearance. 

In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXX and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Student loan

This is the email I sent to Sallie Mae complaining about their unfair practice : To : XXXX Good afternoon. 
Your agency took all of our tax return, a total sum of {$2000.00}, to cover for what you claim I owe in student loans ; which I have fought through letters and proving I was not liable for this payment. I truly disregard this dirty practice and request the reimbursement of my wife 's and I tax return. I do not appreciate your negligence and unfair practice to collect money I do not owe to your agency. 

I appreciate your attention to this matter. 

XXXX Trace Num : XXXX
Product: Credit reporting or other personal consumer reports

I have formally disputed inaccurate information and it was re-investigated by TransUnion XXXX and XXXX with account number XXXX, XXXX  and account number XXXX XXXX also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account
Product: Credit reporting or other personal consumer reports

I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). 

Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required. 

Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. 

Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. 

I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. 

Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I tried to disput this account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and the problem got fixed for being fraud they took XXXX dollers from my state taxes as autovest now it showing on my credit report as negative on my XXXX  with a XXXX doller amount so XXXX  took off the replacement car then left the collection account if the car from XXXX XXXX still on my credit report showing a XXXX balance
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 ] [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I have tried everything with trying to get this company to fix the agreed amount that we have agreed on which is {$1800.00} total on this account.
Product: Credit reporting or other personal consumer reports

My personal information is wrong, my DOB, previous employer or previous address. I want to have my information corrected.
Product: Checking or savings account

On XX/XX/year> I received an email stating that {$100.00} was transferred from my checking to a credit card that I have asked for over 2 months to close. I was told by an online agent on multiple occasions that the card would be closed but the balance is still due. Understood. The card was never closed and instead Penfed processed a payment towards that account today. I am not sure how they are allowed to transfer my money or authorize transfers without my permission. As time goes on I realize Penfed is not for XXXX at all. I am 100 % XXXX and asked for hardship and denied even after submitting medical records, stating " must show loss of income '', as if papers showing me XXXX  consistently doesn't do that? And now they take what little money I have and transfer it to an account that I asked to close. I want nothing more to do with this institution. Transferring funds without authorization is literally stealing. Disgusted.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2024 & XX/XX/2024 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit card

Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. 
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. 
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. 
Regions Bank reported card past due 180 days. 
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. 
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. 
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. 
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. 
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. 
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. 
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. 

Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''
Product: Debt collection

XX/XX/19 I deputed victory secret and XXXX I wrote sprint telling them I never had a contract with the company, it was a refurbished phone. I paid cash for the phone. Victory Secret account they didn't respond too pay plan.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX credit card issued by Wells Fargo Bank NA. I recently purchased wedding/engagement rings totaling {$19000.00} on XX/XX/2019. The special financing they have was zero down, 9.99 % with equal payments over 60 months. On XX/XX/2019, an account statement was generated showing a payment due on XX/XX/2019 in the amount of {$410.00}. {$410.00} x 60 payments equals {$24000.00}. When amortizing the amount financed over 60 months with equal payments of {$410.00}, this translates into an APR of about 10.5 %. Using an exact days method of accruing interest, for it to be 9.99 % APR, the payment should be {$410.00}. This is only {$4.00} per month, but over the life of the loan, its {$280.00} of what appears to be over charged interest. 

I called Wells Fargo customer service on XX/XX/2019 and was told, at multiple levels, that all they know is they have a " payment factor '' of 2.1465 % and refused to provide any additional information on how the equal installments were being computed as well as refused to provide any sort of amortization detail to prove out the payments. 

The 9.99 % APR they claim they offer is not 9.99 % and although minor in dollars at the individual borrower, it is significant if you multiply it by hundreds or thousands of individual borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been paying more than the minimum amount on my credit card statements. Because I pay more than the minimum amount, I sometimes miss the due date and am charged a late fee.
Product: Mortgage

We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. 
We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in regards to the reporting, inaccurate amount and dates are being reported.
Product: Mortgage

REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and told them that they were reporting the wrong information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX 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

TRANSUNION COMPLAINT XXXX MY QUESTION IS TO YOU IS THAT YOU SAID THE COMPANY VERIFIED IT WHAT YOU DIDN'T ANSWER IS HOW IS THIS POSSIBLE?? WHEN THE STATUS UPDATE STILL SHOWING A PRIVIOUS MONTH HOW IS THIS POSSIBLE DOS N'T LOOK LIKE THIS ACCOUNT WAS VERIFIED PLEASE DELETE THIS ACCOUNT THE STATUS UPDATE SHOULD HAVE SHOWN XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit
Product: Credit card

XXXX a retail account was opened with Fortiva for XXXX security system. Between XXXX to XXXX I gave approval for Fortiva to do automatic payments using my debit card. At some point after XXXX Fortiva switched my account to a credit card without getting my authorization for a credit card. I found out that this was done when I start receiving payment notices with late fees. I then called in and advised the representative and the manager I spoke to that I did not authorize a credit card and I also had an approval on file to pay the retail account via my debit card. 

The manager then proceeded to say once they changed the account to a credit card they no longer had my authorization for payments. I asked why would they give me a credit card I did not apply for and did not authorize. Fortiva could not explain that and I asked to close the account because that is fraud. I also asked the manager to clear the late fees as this was not my fault and I did not approve a credit card in my name, which he refused. Now, Fortiva is reporting this to my credit score as late payments with late fees. As a consumer this is unfair. I have tried several times to have this fixed with no results. Please help me, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago I sent a dispute letter for these accounts XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/Equifax/XXXX are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX NAME : XXXX XXXX XXXX XXXX RECORD : XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNKNOWN XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX RECORD : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX EMPLOYERS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX RECORD : XXXX  XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX