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

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the XXXX XXXX. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to XXXX, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appeared on my credit XXXX  report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Doing business with MoneyLion has turned into a nightmare from the poor customer service, poorly functioning app, lies, and now reporting errors to my credit file. MoneyLion makes claims regarding the app but it barely functions as it should, I previously had issues taking out a new loan via the app because of it not functioning correctly and giving me errors. I have never been able to successfully make payments of any kind via the app due to errors stating : " It's not you, it's the internet. '' when it's not a device or internet issue. However, on XX/XX/2020, I spoke with a condescending manager who processed my payment in full for my MoneyLion Loan # XXXX. As of today 's date, I received an alert from Transunion that XXXX has reported my account 30 Days Past Due with a {$86.00} balance. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. I also still have yet to receive resolution regarding my XXXX Limit that was {$210.00} not reflecting correctly within the app. Currently, my XXXX is saying that I have a {$0.00} Limit when it should be {$95.00} out of {$210.00} remaining. The {$95.00} that was taken out, was repaid XX/XX/2020. This didn't become a problem until I received an email form a manager by the name of XXXX. Also, my XXXX reward was not paid or deposited into my Investment account for the month of XXXX. I also had to deal with my money not being accessible in my XXXX account due to not being unable to unlock my debit card via the app with no warning from XXXX on XX/XX/2020. These problems are ongoing and unacceptable. I had no one to speak to and this is why I would never direct deposit my funds into this account. If I was stranded on the side of the road, my money would have done me no good as in this account, there was no way for me to access it. MoneyLion has failed to address these ongoing issues properly. There is never a way to reach anyone when you need someone and if and when you do get someone on the phone from customer service, they are no help, they lie, and basically serve no purpose. I scheduled a callback on MoneyLion 's youcanbook me link and no one ever called. The lists of problems keeps growing and growing. I spoke to a gentlemen by the name of XXXX XXXX who appeared to understand that all of the problems that I have been experiencing are no fault of mine. However, the issues have not been resolved and I understand that the issues are not XXXX XXXX 's fault. However, my experience with MoneyLion is beyond unacceptable. This is becoming a nightmare and this company needs to be held accountable.
Product: Student loan

I called and spoke with a Nelnet representative on XX/XX/2022 regarding my student loan. I was confused when I logged in and saw that my loans showed a XXXX balance with Nelnet showing that they received a payment on XX/XX/2022. I called Nelnet to inquire about the status of my loans and was informed by the representative XXXX that my loans had been paid in full and forgiven under the PSLF. I inquires and ask her multiple times to be certain since I informed her that I thought my loans were being transferred to XXXX. I repeated several times, are you sure? I couldn't believe what I was hearing and started to cry. She assured me that my loans indeed had been forgiven, and that was factual. She said she was sure. When I got off the phone, I called my mom and family to inform them of the update. I decided to call back on XX/XX/2022 to check again. When I inquired this time, a representative told me that my loan had not been forgiven but paid off and transferred to XXXX. I was devastated. I ask to speak with a supervisor and was informed that a complaint was being filed against the representative to be corrected. The defamation and willful injury my family and I have experienced are tremendous -To find out my loans have not been forgiven through Public Service Loan Forgiveness was emotionally and mentally devastating. The representative told me I had nothing to worry about my loans were no longer I now had financial relief.
Product: Student loan

.I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Involves XXXX and XXXX card. since XXXX XXXX! I call XXXX I get an all clear, and no balance to my XXXX card, and I call XXXX -- -- -- -- -- they say prove it? I have many times over, since Monday of this week even, I mailed them a tracking number from where it was picked up by XXXX XXXX XX/XX/XXXX! They have everything? I mailed and kept a photo of returned rec'pt for XXXX, Tracking number # XXXX XXXX XXXX XXXX XXXX. Mailed to : by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX. The man ( XXXX driver ) says that picked up, don't seal it I will do it. so I did not. The amounts were {$130.00} and also {$26.00}. 

Ever since I have spoken to each and every representative from XXXX says prove it? We are not going to look for it! Then they gave the claim numbers of # XXXX & c # XXXX. Most hang up and say : pay it. we are not looking for it okay? we are reporting you -- -- -- -- -- -- -- - I am a very long time consumer with XXXX card. XXXX XXXX, Florida. I am so angry about this. They don't care, I have the account with XXXX frozen too. ever since. Please help I have reported each credit bureau too.
Product: Student loan

I am writing to you as a concerned parent and consumer. I have first hand awareness of Navient 's predatory loans. I co-signed loans for my XXXX daughters and can not get released from their loans.They keep resetting them to start over.When I took these loans, Navient/Sallie Mae encouraged me to co-sign. They said they would not get approved without my co-signature. I do believe my signature is my word, but these children are in their late XXXX XXXX. As for XXXX XXXX University, my daughter left the school after 4 1/2 years without a degree. They never guided her to finish on time or to meet her requirements. Schools have a responsibility to their students to guide them so they finish on time.As for Navient, I pay over {$800.00} a month and it is all interest. I paid {$8700.00} in the last two years and the loans continue to increase. For the Plus loans, I originally took out {$57000.00} and I owe {$61000.00}, and I've been paying for 5 yrs. It is criminal. They are helping themselves instead of the borrowers
Product: Mortgage

I am current on my payments so far. 
The problem is I am late on the month of XX/XX/XXXX and the month of XX/XX/XXXX the XX/XX/XXXX payment has already been paid and yes maybe the other payment I have paid them a bit late but I am current.

I am experiencing a fraud situation with the bank that I currently make the payments with.

There was fraudulent activity going on and as I have disputed the transaction and open a claim complaint with the bank. They said it would take up to 90 days to solve this matter and because it was more than 2000 dollar they need to further investigate. My account was hacked as some hacker took my debit card numbers and hack them and used them in the state of Ohio and California I live in Illinois and have not shopped in those states.

I have informed me.cooper about my situation and they have denied to help me by not reporting it to the credit bureau as late payment and also to wave the late fees for XX/XX/XXXX and XX/XX/XXXX but they refused to as I explained the reasons of why I need there help its just the late fees. They have already issue a new late fee this month but I sent them a pdf letter explaining the reasons of what was happening with the bank account and they still refused to not wave the late fees. I am very happy that they have gave me all this much help but I need help now too this late fees were not my fault as I intend to pay o time before the XX/XX/XXXX or XX/XX/XXXX of echa month to avoid the late fee charge.
Product: Credit card

I went to XXXX XXXX in XXXX, TN for a routine check up and a cleaning on XX/XX/year>. I received x-rays which was covered by my insurance, but when it came time for the cleaning I had to speak with the office manager about the billing. They had me fill out a credit application in which XXXX XXXX accepted me and they would be what would be used to pay for my deep cleaning. We scheduled the cleaning for a few weeks out but about a week before the appointment I had to cancel because I wished to look for second options and check their prices for the cleaning before committing. Little did realize XXXX XXXX had already charged the card for services I had not received. They charged {$830.00} to this credit card. I've called the card company who advised me I have to talk to XXXX XXXX about it first. I called XXXX so I could speak with the office manager, she was in a meeting and never returned my call. I called another time and yet again I was not allowed to speak with her but they let her know and advised me they would resolve the issue and still I have yet to have the charged refunded to the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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

Here is the updated complaint with the inclusion of the CFPB lawsuit against Experian : Complaint Regarding Experians Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint regarding Experians handling of my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). I previously filed a dispute requesting verification of negative items on my report. Experian initially removed these disputed items but later re-added them without providing proper verification. This action is misleading, non-compliant with FCRA guidelines, and detrimental to my credit profile. 

This issue reflects a larger pattern of systemic non-compliance by Experian, as evidenced by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian. The CFPB alleges that Experian failed to remove inaccurate information from credit reports despite being obligated to do so under the FCRA. This demonstrates ongoing negligence in ensuring accurate and fair credit reporting. For more details on the lawsuit, you may refer to this source : CFPB Sues Experian Over Failure to Remove Errors on Credit Reports. 

Below are the specific items I am disputing that Experian continues to report inaccurately : XXXX. OneMain Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off, {$3300.00} written off, {$3100.00} past due as of XX/XX/XXXX Balance : {$3100.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. Portfolio Recovery Associates Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$510.00} past due as of XX/XX/XXXX Balance : {$510.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX Account Type : Cell Phone Date Opened : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX Balance : {$1200.00} This account is scheduled to remain on record until XX/XX/XXXX. 

These accounts either contain inaccurate or unverifiable information that Experian has failed to substantiate. Under the FCRA, Experian must ensure that all information reported is accurate and complete. Failing to do so violates my rights as a consumer. 

I formally request that Experian : XXXX. Permanently remove these inaccurately reported items from my credit report. 
XXXX. Provide me with proper documentation proving the validity of these accounts if they choose to continue reporting them. 

If Experian fails to address and resolve this issue within XXXX  days, I will proceed with legal action under the FCRA. Please note that violations of the FCRA may result in statutory damages of {$1000.00} per violation, as well as actual damages, punitive damages, attorneys fees, and court costs. 

I expect immediate action on this matter. 

Sincerely, XXXX XXXX XXXX Let me know if you need further customization!
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX  recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX  continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

Disputed multiple times company give run around, hang up, no response, rude, not helpful.
Product: Credit reporting or other personal consumer reports

There are accounts that is currently reported from EQUIFAX that are incomplete. Payments that I have made on these accounts are missing. This is hurting my credit score. There are also inaccurate late payments being furnished that is reported by EQUIFAX. These accounts violate the FCRA per 15 USC 1681e ( b ).
Product: Debt collection

Diversified Consultants is the company name they gave. They have repeatedly called me and both of my parents ( I'm XXXX ) threatening that the police are coming, that they are coming and going to charge me with 35 counts of something. I have full phone call logs and have kept the voicemails. They said they are trying to collect {$810.00} for XXXX XXXX. Somehow they are also getting around being blocked. Dates of calls start XX/XX/2018 this has been happening up to 16x in 1 day! I called them and they deny it but as I said I have the proof. This should be illegal.
Product: Money transfer, virtual currency, or money service

I made a purchase on Mercari.com, which prohibits the sale of counterfeit items, but I received a fake item. I was unable to contact the website within the 3 days rating period, but when I did contact them, they gave me a 30 days exception. They asked for images proving inauthenticity and a third party confirmation. Although it was difficult and time consuming to obtain these, I was able to in the end. Once I did, I received a message saying I am outside the 15 day period. Them changing their words from 30 days to 15 days back to 30 days and then 15 again happened twice ( see attached correspondence ). Both the purchase was a fraud and Mercaris emails were fraud, promising resolution under some terms, and then breaking their words. They lied in writing. The item purchased link is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would truly appreciate your assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

This complaint is for a private student loan I have wi th Citibank Student L oans. The amount owed on the account was {$2300.00}. This account was settled with their preferred collection company,  XXXX   XXXX ,  XXXX  in  XXXX  of  2016  for {$590.00} . Citibank is n ot acknowledging this account as settled and is still negatively reporting it to the credit bureaus. After contacting  XXXX   XXXX  about this they sent me a letter stating that the account has been settled and contacted Citibank regarding this. Since then, Citibank has closed the original account as " transferred to another lender '' and reopened the account  under " Citibank N.A ' ' and "  XXXX  \Citibank N.A . '' with a b alance of {$1700. 00} ( whic h is the difference from the original amount owed and the paid settlement amount ). The accounts are countinously reporting late, deferred and opened with a {$1700.00} balance on my credit files after several disputes and attempts to correct them . Citibank is  in violation of the FCRA. They have cause  my credit score to dra stically decrease by  XXXX  points with the false reporting and duplicate additions of these accounts, and they have cause me to be denied for a mortgage loan. Please help.
Product: Student loan

For the last 6 payments, from my payment on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX all of my payments to my FEDERAL UNSUB STAFFORD LOAN ( Disb. date XX/XX/XXXX ) has not lowered the loan debt amount of {$890.00}. The loan required amount to pay is {$24.00} and {$32.00}. 

Why is it that even when I paid {$50.00}, that my loan debt does not go down? 

I feel like I am being robbed. I am paying the amount required on this loan month after month, even some extra at times, but the loan debt amount has not gone don one ( 1 ) penny! I sent an email to them but they have not responded. 

I need answers!