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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 
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.
Product: Credit card

I consistently make timely payments, of which I am certain. I have requested that these late payment remarks to be updated.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with Experian and they closed the dispute stating that the company had updated the account ; however, nothing has changed.
Product: Checking or savings account

I had an undelivered item ( a heater ) purchased for {$87.00} form XXXX which was marked as delivered - " left on the porch. '' We have a special hub for deliveries and I live on the third floor. The item was not delivered to my door or placed inside the hub. I did not receive the item, yet XXXX failed to issue a refund as I called their customer service multiple times. 

I disputed the charges with Capital One, and they assigned temporary credits. Months later the credits were reversed. I called again. Capitol One assigned the credits yet again. The second reversal fell off about a month later. 

I called the third ( could be the fourth ) time, Capitol One representative assured me they will take care of this. Nope, the assigned credits were reversed and they sent me an email stating the claim has been denied as I already submitted a claim for this transaction. Yes, 3-4 times, and you wasted hours of my time by accomplishing nothing. 

They don't have customer 's interests when it comes to disputes. I feel scammed by both XXXX and Capital One. 
Re : Claim # XXXX for account ending in XXXX
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Credit card

They say there is compelling evidence but all they showed me is a letter they said talking about how they had to refund me a few dollars to fix a mistake on the transaction. There is no evidence that Im being shown, Ive dealt with this for over XXXX  months. They want to send me XXXX XXXX  for the issues cause. I need a full refund
Product: Credit card or prepaid card

I applied for a capital one card I done the pre qualify thing they have first because I didnt want my credit run for nothing and have an unnecessary inquiry on my credit they said I was pre approved so I went ahead and applied and was denied the reason this seems awful funny to me is my credit score is higher than my wifes and she has 2 cards through them this is not right at all my score is 29 points higher than hers the government needs to really start punishment on this card companies
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation Under the fair credit report act ( FCRA ) to conduct a reasonable re-investigation of disputed information on the credit report leaving inaccurate unverifiable accounts unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, natural man/ woman have recently pulled my credit from Equifax and saw that they are reporting a bankruptcy. 
I have mailed the U.S. Bankruptcy Courts on XX/XX/XXXX2022 to ask them if they have any information about me and a bankruptcy and i also asked if they furnish information regarding public records to the credit reporting agencies. They have written me back on XX/XX/XXXX22 saying that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
I am left to believe that Equifax have never validated or verified these public record entries on my credit report. 

I am demanding that Equifax delete this bankruptcy from my consumer report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the Experian Bureau who responded that the information reported meets FCRA Guidelines. Experian Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is XXXX re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. XXXX re-aged the debt by over 2 years! Next, XXXX XXXX reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open XXXX XXXX. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also has allowed repeat offenders to exploit the system, leaving us vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address the late payments recorded on my credit report. Despite my efforts to rectify this issue, including sending letters over 30 days ago, I have not received a response nor satisfactory validation. I request your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, XX/XX/scrub>/2024, XXXX/2024,XXXX2024 We sent registered mail to XXXX  XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). XXXX XXXX reported XXXX transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer XXXX  XXXX violated 15 U.S. Code 1666b ( a ).
Product: Student loan

Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
Product: Credit reporting or other personal consumer reports

There is a XXXX bill that was suppose to be paid by insurance. It was billed incorrectly by the XXXX XXXX and only they could re bill the insurance using the correct codes. 

However the XXXX bill is under {$500.00} and should not appear on my credit at all. 

I have poky ed this but and they continue to report it monthly and its an unfair charge to begin with
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 be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX XXXXXXXX XXXX* Balance : {$42000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}
Product: Credit reporting

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the validity of Lowes account # XXXX item being incorrectly reported to the major credit bureaus. Based upon your CFPB response letter provided on XX/XX/2020 you claim a Balance of {$5200.00} was charge off as a loss on XX/XX/2020. A recent copy of the provided XX/XX/2020 credit report shows your reported balance of {$4800.00}. This is my second attempt to remove this negative item from my credit report due to your failure to correctly report accurate and valid information. 

XX/XX/2020 Dated copy of Credit Report showing failure to properly report balance XX/XX/2020 CFPB Lowes response letter proof of incorrect balance reported I am requesting that this item be removed from all credit reporting bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted as of today.
Product: Credit card or prepaid card

In XXXX of XXXX, I was in the process of booking a hotel room at the XXXX XXXX in downtown XXXX. Before finalizing the booking, a credit card offer presented itself on the XXXX website from Chase. The offer was that upon approval, I would get a {$250.00} statement credit. Well, I never got it. I called Chase and XXXX after I got my first statement and saw that the credit was not there. Over the last several months, I have since spent many hours on the phone with many different Chase and XXXX supervisors asking for my credit and they keep telling me the same thing ; Chase says XXXX has to give me the credit and XXXX says Chase has to give me the credit. Basically I was lied to and this is unfair and unacceptable. Please help me resolve this.
Product: Debt collection

I have 2 voicemails on my personal cell phone and one voice  message on my work phone on XX/XX/2019. On my personal and work voice mail he stated that the call was a legal notification of a petition for a civil judgement in the petition for garnishment of wages filed in his office against me. That he was an advocate for me and that I needed to reach quickly if I wanted any sort of assistance from them prior to the judgement filing.
Product: Checking or savings account

Capital One has not deposited me my money, they state they have a server issue but do not provide an appropriate time of resolution. The issue began on XXXX and didnt offer information until XXXX at night. They sent an email stating the issue would be resolved on the morning of XXXX but it is now XXXX XXXX  and it has still not been resolved. I need access to my hard earned money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account for XXXX XXXX I have reached out four times letting the company know the account is fraudulent the account number # XXXX for {$4100.00}
Product: Student loan

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach clearly violates FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I have late payments 2 1/2 years ago I have not been late on this account Please remove this negative mark on my report for this is the only negative on my reports
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand that Regional Acceptance Corporation issue a 1099-C Cancellation of Debt form for my charged-off auto loan account. As reflected in my credit report, the account was closed on XX/XX/2024, and has been classified as a profit and loss write-off. Your company has clearly written off the balance, indicating that you have ceased collection efforts and recognized this as a financial loss. 

Despite this, my credit report continues to reflect late payments on a closed and charged-off account, which is both inaccurate and misleading. The account is no longer active, and therefore, any continued reporting of missed payments serves no legitimate purpose other than to damage my credit further. 

Under IRS regulations, when a lender cancels or discharges a debt of {$600.00} or more, a 1099-C must be issued to the borrower for tax purposes. As my remaining balance at charge-off exceeded this threshold, you are legally required to provide me with this form.

I demand that you : 1. Immediately issue a 1099-C form for the cancellation of the debt and send it to me at the address listed above.

2. Cease reporting late payments on this closed account and update the status accordingly with the credit bureaus. 
3. Provide written confirmation that the account is permanently closed with no further collections activity.

If I do not receive the 1099-C form within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the IRS, and the Federal Trade Commission ( FTC ). Furthermore, I will seek legal counsel to ensure my consumer rights are fully protected. 

This is my final notice before pursuing further action. I expect an immediate resolution to this matter. 

Sincerely, XXXX
Product: Vehicle loan or lease

Chase auto finance is reporting lates/ repo over 60/90 days on my credit report. I have reached out to the credit bureaus As well as Chase to have this lates removed. The dates and the amounts are as follows : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amount for each payment is {$420.00}.
Product: Credit reporting or other personal consumer reports

This account showed up on my Equifax credit report XXXX XXXXXXXX XXXX XXXX but there is no account number and no identifying information related to me. Therefore ; I called the number thats listed on my credit report : Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX And there is no knowledge of me ever having an account with the initial company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing this letter as my last resort to save my home from foreclosure. I have applied for a Loan Modification with my current servicer Select Portfolio Servicing for the last couple months, but I have not been able to work anything out with them and I am falling further and further behind. The reason I fell behind on my mortgage were due to reasons beyond my control. Due to medical conditions I had to have an operation, which forced me to go on Social Security. Not only that but there was a rupture and I had to replace the entire plumbing system for my home. Lastly, I had to evict a few tenants that were not paying me rent and were causing lots of trouble. 
Things are looking way better now and I am in a better position to assume my responsibility. I receive Social Security income and I receive XXXX XXXX jobs on the side ; also, some of my family rents with me now and helps me with rental income. I want to pay what is past due on my mortgage, but I can not afford to pay a lump sum of the past due amount. I feel a loan modification would be feasible for me at this moment and would definitely help me stay in my home. Ive applied over 15 times for a loan modification with SPS, in hopes of saving my home however they have turned down every application I have submitted. 
The most recent denial I received was on XX/XX/2018 and SPS stated I was not approved because they were not able to reduce my principal and interest payment, but even the payment I had before I can still afford ; its the past due amount I cant pay all at once. SPS stated my income was not required nor considered as part of their evaluation, but how do they know if I can afford my mortgage payment if theyre not reviewing my income? This is why I am turning to you for help, in hopes of receiving valuable information that will help me move forward and save my home from foreclosure. I have tried everything and even re-applied for another loan modification review on XX/XX/2018, however SPS refused to create a new review and the worst part is that they scheduled a foreclosure sale for XX/XX/2018. I have only received 1 modification in the past and that was a few years back, but I should be entitled to another modification. Please look into this and help me keep my home. Thank you,