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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

Subject : Complaint Regarding Inaccurate Accounts and Violations of FCRA by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues with inaccurate accounts on my credit report, stemming from the Equifax data breach. Despite being a victim of identity theft and having provided the FTC Identity Theft Report, the following accounts continue to be reported incorrectly on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) : 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 According to Section 1681b of the FCRA, any information resulting from identity theft should be blocked or removed within 14 days of the notification. Despite this, Equifax has failed to comply with the law, and these accounts are still being reported as if they are legitimate, negatively affecting my credit report and financial standing. 

I have already provided the Federal Trade Commission ( FTC ) report confirming my identity theft status, and I have been in contact with Equifax. However, they have failed to take proper action. I respectfully request that the CFPB investigate this matter and take appropriate steps to ensure that Equifax complies with its obligations under the law. 

If this issue is not resolved, I will have no choice but to pursue legal action against Equifax for these violations of my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Student loan

I submitted an IDR repayment plan request on XX/XX/XXXX. I checked the documents received in MOHELA account on XX/XX/XXXXXXXX  and the IDR plan application said cancelled but did not say when it was cancelled or why. I was never notified of this and there was no explanation as to why it was cancelled. They also sent me an email on XX/XX/XXXXXXXX  that I have missed a payment of {$170.00} on XX/XX/XXXXXXXX  but when I called Mohela said I was on forbearance till XXXX  however my account showed a missed payment. The information is not aligning and I should not have been charged a payment in XX/XX/XXXX. Mohela never notified me about the status of my IDR application and notified me through phone my account was on forbearance till XXXX  but then charged me a missing payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a quick trip card with XXXX XXXX XXXX XXXX for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX   payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
Product: Debt collection

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. Lvnv account XXXX. Lvnv account XXXX. 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 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. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to XXXX and Transunion regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my XXXX   report and XXXX XXXX XXXX XXXX XXXX be removed from my Transunion report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.
Product: Money transfer, virtual currency, or money service

FYI I have XXXX XXXX XXXX XXXX XXXX XXXX  much of it in payments including XXXX. I am filing this complaint on behalf of others without this experience. 

I submitted XXXX XXXX transfers from their mobile app, XXXX to the XXXX and XXXX to XXXX. The amounts were both {$8700.00} XXXX. With exchange, XXXX of them came to over XXXX XXXX. As a result, XXXX initially provided nonspecific errors, and then eventually requested identification and financial details be uploaded. ( They didn't state this was for XXXX XXXX XXXX XXXXXXXX, but I deduced it ). I switched to desktop so that I could upload the information, and then after they accepted it, I reinitiated the transaction. This was on XX/XX/XXXX. Today ( XX/XX/XXXX ) I noticed that the transaction had debited my XXXX account at XXXX XXXX twice. Transaction history on XXXX showed that they had processed the transaction twice, about XXXX hours apart. I realized that they couldn't reverse the transaction since it completed, but requested that they arrange for the funds to be returned. After the first point of contact clearly didn't understand, I asked for a supervisor. Her name is XXXX. She refused to take any action, saying it was my fault for initiating twice. I pointed out that the timing of the second transaction was long after I had gone to bed, but she insisted it must be my problem not theirs. 

It looks like there is a processing workflow bug, perhaps linked to the combination of starting a transaction on a mobile phone, uploading XXXX  documents from my desktop, and then completing from my desktop. She said they didn't have a way to request the funds back, and I needed to do it. I pointed out that they had generated double revenue ( XXXX XXXX XXXX XXXX I would also incur the XXXX and/or transaction processing costs of returning the funds. I asked to be compensated for this out-of-pocket expense. 

I calculate their spread at between {$76.00} and {$190.00} based on the opening spot rate from today, which I will have incurred twice over and above their legitimate revenue for the transaction ( duplicate payment to XXXX, and cost of sending back from XXXX ). So I am out somewhere between {$150.00} and {$400.00} which I'll be able to confirm once I get the funds back. 

Whatever the cause of the duplication ( system or undocumented process requirements ) XXXX need to take ownership. They should review online prompts and instructions for ease of access to customers, most of whom will have no idea about XXXX requirements, etc. They should have a policy to at least reimburse the XXXX XXXX  that they improperly took. And they should better educate their frontline customer service agents.
Product: Mortgage

Payments are held and/or destroyed by automated processing equipment. My payments are " made months ahead of time '', " I am not behind ''. I made XXXX payments in XXXX for XXXX, XXXX, XXXX. & XXXX, XXXX payments were processed, XXXX was lost. All XXXX payments were in the same envelope. Last week XXXX XXXX I made XXXX payment again. Mailed first class to local XXXX address. M.O. for {$1000.00} & Personal Check for {$280.00} total equaled my required monthly payment of {$1200.00}. Ditech does not show receiving this payment. 
Back in XXXX XXXX Ditech held my payment until a late charge was due. In XXXX XXXX Ditech refused to credit my XXXX XXXX payment because XXXX late charge was due. Instead of crediting my payment Ditech put the payment in unapplied funds. They said they did that and would not apply the payment until the late charge was paid. My Deed of Trust says all payments shall be applied as follows : Late charges are last in line. The Deed of Trust does not give Ditech authority to not apply payments if a late charge is due. This company is not applying payments on a timely manor and is creating late charges by holding checks and the automated equipment is not working properly and is destroying checks.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate reinstatement of my XXXX XXXX on my Experian report. I have observed that my XXXX XXXX has been removed and is now displaying as blank. This situation is causing material harm, as it obstructs my ability to apply for credit and other essential services. Please consider this my final attempt to resolve the issue directly before taking further legal action. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian is required to ensure that credit information is accurately reported and accessible to consumers. Section 1681e ( b ) mandates that credit reporting agencies ( CRAs ) use reasonable procedures to assure maximum possible accuracy of the information on file. In this case, my credit report shows no changes, delinquencies, or inaccuracies that would justify removing my score. I believe XXXX actions are in violation of this standard, and the impact is severe and immediate. 

Additionally, under Section 1681i ( a ), I am entitled to a timely reinvestigation of any disputed item on my credit report. Given the harm caused by the sudden absence of my XXXX XXXX, I demand that Experian immediately reinstate my score within XXXX hours of receiving this letter. 

If Experian fails to comply within the stated timeframe, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal action, including but not limited to claims under the FCRA. This action will be necessary to seek compensation for any financial losses caused by Experians failure to provide a complete and accurate credit report. 

Please respond to confirm receipt of this request and provide written confirmation of the reinstatement of my XXXX XXXX by XX/XX/year>. I trust you will take this matter seriously and respond promptly. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

One main financial is ripping me off in interest I saw theres a lawsuit against them.
Product: Student loan

On XX/XX/XXXX my son and I, the co signer, were sent letters of default on 2 loans. When the letter came, I sent a check clearly marked with the 2 account numbers. 2 years later I find out the one account was never credited. I called Discover around the XX/XX/XXXX,  they tranferred me to XXXX. I sent her copy of the cancelled check. She said she would call back in 1 week. After 2 weeks I called Discover and asked to speak with XXXX. Was told that there was no XXXX working for Discover and I must have called XXXX XXXX instead. I said no, I didn't even know what XXXX XXXX was so how could I call them. I explained that the only thing XXXX had done was put the loan in question back on my account. XXXX said she would personally look into it and call me back within 2 weeks. NEVER called back. Called again on XX/XX/XXXX and talked to XXXX in XXXX XXXX XXXX. He saw all notes and promised to take care of things. That was 2 months ago and still nothing is resolved and I have a mark against my credit because of their mistake.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased access to an online conference from XXXX XXXX  XXXX for {$790.00}. Due to technical issues on behalf of the vendor, I was not able to access the recordings. I reached out multiple times to the vendor in an attempt to fix the issue ; however, the vendor was not able to fix the issue. I asked the vendor for a refund multiple times, but the vendor never responded. I reached out to Chase Credit Card to dispute the charge. Chase informed me that I would receive the claim dispute form via US Mail and it could take up to 10 business days. When the claim did not arrive via US Mail after 10 business days, I contacted Chase and they informed me that my dispute is closed because I did not submit the required documentation on time. Chase misinformed me that my dispute form would be coming via US Mail - I lost over three weeks because of this error on behalf of Chase. I escalated this case to Chase Executive offices with no resolution. Chase has been unfair and unjust in this business dealing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXXXXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Payday loan, title loan, or personal loan

I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.
Product: Credit reporting

After reviewing my credit report I notice that Equifax had a Lien on my credit report that was released. That should have been taken off my credit report after the Lien has been satisfied. I am informing you so that Equifax to remove this Lien off my credit report. I have not file a formal dispute letter. I decided to file a case through your services to have a track record just in case Equifax does n't follow through with doing what is right.
Product: Credit reporting or other personal consumer reports

My credit report has been flagged for a suspicious student loan that is not mine! This student loan is in the amount of over XXXX. I do not have a student loan with the " Department of Education '' nor do I have a student loan with " XXXX ''. Both of these student loans keep showing up on my credit report. I have been disputing these loans for years. I have made a fraud alert on all three credit bureaus as well as alerting the credit bureaus of this fraudulent error. These student loans are not in my name. XXXX XXXX XXXX who is the sole owner of the social security number XXXX My DOB is XXXX. I have no student loans with any school or college. And this is not my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an authorized user on a XXXX Account and can not see it on my credit report I have notified XXXX and Transunion and they keep sending me back and forth on the situation I just want it that when I use the card and make ON -Time payment that it shows on my report as well. Can someone Please help me get the XXXX account added to my report
Product: Student loan

XX/XX/2006 {$10000.00} Th account is closed and was charged off over 14 years ago. Went to third party collections profit and loss-write off
Product: Checking or savings account

It has been almost 2 years since i have tried to open my account with Navy Federal Credit Union. It wasXX/XX/2017 when i went to NAVY with my dad to open an account.. they told me that the account was open but I couldnt access it and that i have to contact someone to be able to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO XXXX AND XXXX XXXX CARDS I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THESE TWO ACCOUNTS ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of dv and I tried to get this off! I filed bankruptcy but Im still being denied apartments. I have placed a fraud on my credit
Product: Money transfer, virtual currency, or money service

In XXXX I performed massage services to XXXX XXXX XXXX he payed with check didnt want to put massage so he wrote birthday and rent in the memo ace cash express called the bank and verified the checks and after confirmation cashed them, I recieve a call today 5 years later informing me that ace cash express made 2 complaints against me and are threatening to garnish wages from me in order to secure payment yet there is no legal action taken against me by me XXXX apparently he didnt have the funds available even though they were verified by phone by the teller at ace
Product: Debt collection

Transunion you did not remove this account when it was first disputed from my credit report that is a clear violation I request a reinvestigation under the U.S.C. codes enclosed I want names contact information a copy of original contract not a letter with nothing on it Enclosed is my written request by law this is required also while this is being reinvestigate by law it can not be on my credit report
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/year> Employers : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against CAPITAL ONE AUTO FIN for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}