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

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is not an duplicate complaint. In order for me to fill out the Identity Theft Report the Higher Education Act of 1965 included Addendums to the Note like the 3 days before distribution of the loan can the borrower cancel? 

I need more documents the Police told me. I need the Addendum to the Fake Document The Recession form, Truth In Lending form, Approval form, Credit Check form, SLM Corp address, phone number, location, account number listed on the Schedule Disclosure # XXXX who does that account belong to and where is it located in XXXX. Where did the Web Note come from. Since your FFLEP Application Consolidation and Promissory Note is non electronically what is the process of typing in it to link to the SLM Corp Website to produce a print signature. Under the HEA in which the Note is govern what software was used to get the print signature example XXXX, XXXX XXXX. The Consent form for electronic documents to be sent to me. Payment Options form, Was the WEB form approved by the government OMB? On the addendum to the Note Schedule you approved a consolidate Perkins Loan as an unsubsidized Loan so we need the approval letter from the school the loan was paid. The Loan Verification Check form. I sent Navient two letters that stated loan money was returned to the lender XXXX XXXX since SallieMae was  the servicer in XXXX did they lose the records? The Consent form that I approved the loan. The contract Promissory Consolidation FFLEP between me and the SLM Corp signed example the Application FFLEP Consolidation and Promissory Note list the Web as the owner of the Note. Then the Addendum to the Note the Disclosure and Schedule of Payment form that was typed up a month after the loan was approved the Schedule of payments XX/XX/XXXX state SLM Corp as the lender the Addendum to the Note is not a contract under the HEA. The HEA state the Application and Promissory Note must be sign by the lender and borrower in the lender website? The HEA state electronic signature must be done in the lender website. So why did SLM Corp approve a Promissory Note not filled out in the SLM Corp Website? Since SLM Corp was established in XXXX how could they approve a Application FFLEP Consolidation and Promissory Note In XXXX? What was SLM Corp credit eligible-ability in XXXX? 
I need the additional documents and questions answered the police detective told me when I showed him your fake Note so they can write up there report and give there opinion for the Identity Theft Report. I need the documents and questions answered as soon as possible because under the FCRA Navient is reporting wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the XXXX forbearance plan and XXXXXXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap1/Cabel - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Product: Money transfer, virtual currency, or money service

I requested for XXXX BTC to be sent from a digital wallet to my Coinbase wallet on XX/XX/XXXX. On XX/XX/XXXX, the transaction was confirmed, although the money does not show up in my Coinbase account. 

After verifying on the XXXX website, the money is in my account but the Coinbase interface does not allow me to access the money to sell. I will not be able to access the BTC without Coinbase 's assistance, and they are not responding to my requests. 

I 've tried to contact Coinbase several times via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by submitting requests through their website as instructed. I have received zero communication in return.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified XXXX inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX** - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX- XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. *XXXX XXXX  XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX XXXX XXXX Number : ( XXXX ) XXXX XXXX. *XXXX XXXX XXXX** - Inquiry XXXX : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX  XXXX XXXX XXXX Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them. 

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian and Equifax will not remove all of the address that are not correct on my credit reports. I have XXXX address that is associated with all of my tradelines and that is the only address that should be listed. XXXX is the only XXXX out of the XXXX that is complying.
Product: Checking or savings account

I kept getting charge many overdraft fees unauthorized transactions I never made
Product: Credit card

Online purchase on XX/XX/XXXX, for XXXX jars of skin cream from XXXX. XXXX charges went through on Apple charge card for {$4300.00}. I declined the charges and then I got a call on my cell phone from a man names XXXX ( caller ID said Apple ) and he wanted to help me so he said I am arbitrarily choosing an amount to see if your card is working and he had me put in {$4300.00}. Then he said, don't worry this is not going to be charged to you, I am just making sure your card is working. Then he said, do not access your apple account for 3 days, I then realized he had scammed my account. I have tried with Apple ( Goldman Sachs ) to resolve. XXXX charge in the amount of {$4300.00} was permanently removed. The second charge of {$4300.00} was reversed again today, putting the charge back on my account. XXXX small package was shipped to my home. The invoice is from XXXX and states XXXX sets ( XXXX XXXX XXXX ) were purchased. Invoice total in XXXX XXXX XXXXs XXXX XXXX ( based on exchange rate for XX/XX/2023 {$8600.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago. I send a letter to equifax about an account that doesnt belong to as I have been a victim of identity theft. I notified originally that XX/XX/2020 that they agency was reporting an account without an original credit listed. They in return sent me a letter saying that I had to send my id or personal info to help them not only find me in their system, but also to verify it was me. So I sent another letter to the agency with my identification AGAIN. Per 623 this must be specified in order for account to be addressed the company verified the debt belonged to me?! YET, no information is reporting for the creditor per the copy of my report Ive attached. Im ask for assistance with this issue. Ive attached certified receipts along with copy of report that shows the original creditor not reporting. Along with current report
Product: Money transfer, virtual currency, or money service

XXXX writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent ( CFPB ) lawsuit highlighting significant issues with the platform .Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately .Tgey informed me that recovering lost funds was impossible and that tracking these transactions was infeasible .The CFPB findings indicate that Zelle has not only neglected to protect consumers but but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams .Tge lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card or prepaid card

Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.
Product: Debt collection

I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX XXXX in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them FTC reports, police reports and the item was deleted from my credit report. Recently the debt was sold to XXXX XXXX XXXX, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all 3 credit bureaus. I previously contacted XXXX XXXX in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. Today I notice they have placed the collection back onto all 3 credit bureaus and have sent me another collection notice.
Product: Debt collection

SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/NELNET '' be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
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 in accordance with 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. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX Account # XXXX has violated my rights. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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, credit repair services, or other personal consumer reports

Disputed with XXXX  for an XXXX and XXXX XXXX XXXX XXXX on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my credit report : 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

XXXX XXXX and XXXX XXXX hard inquiry on my equifax report. I tried to freeze my credit with equifax but they said I dont have a file with them to be able to freeze. Equifax asked me to mail all of my personal information ( including drivers license, copy of social security card, address and birthday ) to their XXXX XXXX XXXX XXXX XXXX XXXX, but my XXXX XXXX says the hard inquiry is on my Equifax report. I want to avoid mailing my sensitive information since I already have a file with them. I was able to freeze my credit with the other XXXX major credit bureaus with no issues. I called XXXX to ask about this inquiry and they told me to mail the inquiry information to their XXXX XXXX XXXX XXXX XXXX XXXX which I did.
Product: Credit reporting or other personal consumer reports

Experian has not updated my credit report. XXXX and XXXX have updated all my credit reports since paying off most of my credit cards, as this increased my XXXX XXXX. I've notified Experian about my accounts and my name change. My credit score is XXXX points lower than the other credit bureaus. I can't believe if I sign up for Experian XXXX or upgrade your membership my score goes up. XXXX and XXXX don't work that way, your score is according to the creditworthiness. Why is Experian allowed to base our credit score according to our membership status. This should be illegal and taking advantage of consumers.
Product: Student loan

I applied for the co-signer release last year after I had made more than 24 consecutive payments on tim ( thats what they require to release the co-signer ). They denied saying that I did not meet the income and credit requirements. I make $ XXXX a MONTH gross income from the US military ( evidenced by tax returns and W2s ) and have residual rental income, and a credit score of XXXX plus. If they are denying my request they need to give the specifics. My co-signer makes 5 times less AND has the same credit score. She cant buy a house now because they are refusing to release her and YOU, the United States government is failing to hold these banks accountable.
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report INQUIRIES : 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 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 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.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX  Balance : {$570.00} XXXX XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX Balance : {$34000.00}
Product: Student loan

I still disagree that my balance is incorrect and researching with the information that the government site provides, I was able to realize that they placed my account into forbearance numerous times, sometimes for only one day and then the amount of times my account had capitalization doesnt add up. I want statements with all of the times my account was placed into forbearance, all of the times it had capitalization, all of the reasons and all of the times my account was moved into/out of payment plans. I also want to know how many payments count towards each loan. Its crazy I have paid on these for a decade almost and owe quite more than I borrowed.