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

I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with XXXX. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are JPMCB CARD XXXX and JPMCB CARD XXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, XXXX and XXXX, in collaboration with JPMCB CARD, has consistently verified inaccurate information through the CFPB dispute process. 

I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my XXXX and XXXX credit reports raises serious questions about the accuracy and reliability of XXXX 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. 

I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. 

I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that XXXX will take the necessary steps to rectify this situation promptly. 

I filed cases with the CFPB regarding this on XXXX to both XXXX and XXXX and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. 

Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The removal of these inaccurately reporting account from my credit report the last time I checked it.
Product: Debt collection

XX/XX/2024 over payment of credit, XXXX, PNC bank,, XX/XX/2024, XXXX overpayment of credit card, XXXX XXXX overpayment of credit card, XX/XX/2024, XXXX overpayment of credit card, XX/XX/2024 XXXX overpayment of credit card, claim and reference confirmation numbers, # XXXX, # XXXX # XXXX, # XXXX, # XXXX #, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following account with XXXX  and Equifax and after an investigation by XXXX  It was found to be unverified/inaccurate and removed from my credit report. Equifax has still not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I have included a screenshot of the removal by XXXX  from my XXXX XXXX account as proof and I give permission for you to run my credit report to see that it was removed, I am once again asking that Equifax investigates the following account and I would like verification/proof, copy of contract or signature showing the true ownership of these account or the removal of these inaccurate/unverified account. 
1. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit reporting or other personal consumer reports

XXXX*Subject : Formal Dispute Regarding Violation of Consumer Law Rights by the Three Major Credit Agencies** Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the actions of the three major credit reporting agenciesEquifax, XXXX, and XXXX their repeated failure to correct errors on my consumer credit reports, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute inaccuracies, including providing documented evidence to support my claims, these agencies have either failed to investigate the errors adequately or have refused to make the necessary corrections. This negligence has caused significant harm to my creditworthiness, resulting in denied credit applications, higher interest rates, and emotional distress. The FCRA explicitly requires credit agencies to conduct reasonable investigations and correct inaccuracies promptly, yet these agencies have consistently failed to uphold their legal obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

The Phoenix Recovery group of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for years. At XXXX time this year months back it was removed and now has appeared again. This company is reporting a date of XXXX amount {$2900.00}. This was an court settled dated XX/XX/2018 amount {$1500.00}. The inaccuracies are clear and must be permanently removed under the law of my fair consumer privacy rights, I've even sent the credit bureau 's copy of the removal I want this removed immediately this has caused unnecessary housing hardship for me along with stressful XXXX.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my annual credit report from Lexis Nexis. XXXX entitled to a free annual credit report.
Product: Student loan

I couldnt fill out the loan repayment change request form because i am on my cellphone. I would like to lower my monthly payments. My monthly income is {$350.00} & i have other expenses like phone & other utilities that wont allow me to be able to pay {$50.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXXXXXX. The XXXX Credit Bureaus need to remove the account from my file. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was paid XXXX by my ex to pay for half on a plane ticket. He paid me through cashapp. A few weeks later I found out he contacted his bank and cashapp and told them it was a fraudulent charge. Cashapp gave him the money back and then took XXXX from me. When I contacted cashapp to dispute they denied the dispute even though I had screenshots of him stating what he did, he knew it was faudulent, and cashapp did absolutely nothing. They told me to work it out with him. I told them I already tried and they should be the ones fixing the issue.
Product: Credit card or prepaid card

I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.
Product: Mortgage

In early XX/XX/2019 I filed for a mortgage modification due to being unemployed for a significant period of time. I was told I would be eligible for a loan modification. On XX/XX/2019 I received a letter denying the modification. I was told because I now make to much money. I have offered to repay {$32000.00} of {$39000.00} immediately and start making my mortgage payment with an additional {$800.00} until I am caught up with the payment. I was told that SLS did not have to allow me to setup a payment plan.
Product: Credit reporting or other personal consumer reports

I disputed a hard inquiry on my credit report XX/XX/XXXX. This was inaccurate and it was not investigated properly. It was an error due to the XXXX Equifax Data Breach.
Product: Checking or savings account

XX/XX/XXXX - Opened a XXXX XXXX Checking account with BMO. Welcome Bonus of XXXX $ if cumulative XXXX $ direct deposits were made within 120 days. 

XX/XX/XXXX - XXXX $ direct deposit made XX/XX/XXXX- Confirmed with BMO agent on chat ( I have the transcripts ) that all bonus requirements were met and I would receieve the bonus on XX/XX/XXXX Before XX/XX/XXXX, the account has been closed without any notification and no bonus is receieved. 

XX/XX/XXXX - Reached out to support on chat and they say account was closed because there was no activity for 45 days. Asked me to call virtual connect center at XXXX to reopen the account and check status of the bonus. On call, I am told account can not be reopened and hence will not receieve the bonus. Requested to escalate this issue and was disconnected from the call by agent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the creditor of my XXXX XXXX medical account in collection. First the company said that they do not have an open account matching my name. I submitted a dispute via XXXX XXXX but after 4 months of waiting, my request was denied. I recently got in contact with the debt collection company again and they found a closed account not under my name, but under my social security number. Now Ive been unable to dispute the account or even attempt to reach a payment agreement because the account was closed and needs to be reopened, but only by a manager. I have had XXXX health insurance since 2014, which covers any medical service so I should not have had any medical balances at all. Im trying to apply for housing and this one collection on my credit report is preventing me from finding a place to live.
Product: Student loan

Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information belongs to someone else.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 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

In order to REMIND XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAU MUST DO THEIR JOB PROPERLY and immediately remove of these fraudulent accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ColoradoXXXX DOB : XX/XX/XXXX | SSN : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Employer : XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I sold my virtual currency ( Etherium ) on Coinbase onXX/XX/XXXX, exchanging it for Euros. I then withdrew those Euros ( XXXX ) from Coinbase to my bank account, on the same day. I received an email from Coinbase ( attached ) stating that the money would be in my account by XX/XX/XXXX. 

XX/XX/XXXX arrived and no money had arrived from Coinbase, although the transaction was marked as 'Complete ' on their website. Previous twithdrawals to my account had been very prompt, so it was unusual that funds had not arrived on time. I raised a support ticket on the XX/XX/XXXX with Coinbase ( also attached ), asking them to confirm the funds had been sent. 

I received no reply to the support ticket, so sent Coinbase support another message through their website on the XX/XX/XXXX. No response was received to this message asking where my money was, except for an automated email from Coinbase on the XX/XX/XXXX informing me that they were experiencing high volumes of support requests. 

Its now the XX/XX/XXXX - 9 working days since I requested my money be sent to my bank account - and I have received no response from Coinbase whatsoever as to where my money has gone. The amount of XXXX has been deducted from my Coinbase account, but hasnt been sent to my bank account, so I have effectively lost XXXX to Coinbase as they still have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cashcall continues to report an account as a chargeoff to my XXXX and XXXX credit reports. I have paid this account in full and have a letter from XXXX XXXX XXXX verifying the payoff and that it should have updated to my credit report to release me of financial and legal obligations in regards to the Cashcall account. The letter is showing paid in full on XX/XX/XXXX. I tried to do a debt verification with Cashcall and they keep referring me to XXXX XXXX XXXX as a sold debt with a refusal to update the account and they are now sending it to collections and skip tracing ; vindictively. I have spoken to that company that sold the debt to XXXX XXXX that sold it to XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX today XX/XX/XXXX and they are no longer in business. 
The first delinquency was also reported on XX/XX/XXXX. With the date being XX/XX/XXXX. This should be removed via the 7 year rule as well. 
XXXX refuses to update an account that has been paid fully back in XXXX. I also have two legal cases in regards to their collection activity in California being deemed illegal for unconscionable interest rates and therefore uncollectable. Refer Supreme Court XXXX XXXX XXXX XXXX  XXXX vs. CashCall Case # XXXX XXXX circuit No. XXXX and United States District Court of XXXX District of California Case No. XXXX XXXX Consumer Financial Protection Bureau v CashCall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Portfolio Recovery Associates has been reporting on my consumer credit reports. Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit again Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I was undergoing a student loan consolidation ( with Fed Loan ) and entered the income based repayment program. As the paperwork was being processed during XX/XX/XXXX through XX/XX/XXXX, AES reported my student loans were delinquent. However, the process was taking longer than expected. I called AES to dispute before it was reported and I was told there was nothing they could do to quicken the process. I also contacted FED Loan who currently manages my student loan debt now and they could not do anything to quicken the process. So AES reported, delinquent payment for XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

California Bank & Trust Abusive Overdraft Practices Overdrafts are incredibly expensive causing me financial hardship. I understand that California Bank & Trust abusive overdraft fee policy is unimaginably lucrative for the bank however the bank is engaging in unfair, deceptive, or abusive acts or practices. 
I am writing regarding illegal overdraft fees California Bank & Trust failed to obtain required opt-ins for my account. Continued charging overdraft fees and extended overdraft fee to my account despite my account already being in a negative state due to loss of job and financial hardship. The bank also charged overdraft and non-sufficient funds fees despite my check deposit in the branch, which they only applied towards fees and then left my account open only to continue to acquire more fees to an already negative account although I repeatedly requested to close account. They told me the branch manager is on vacation and I waited for him to return only to continue to get charged. When the branch manager finally returned he directed me to collections. I continued to be charged fee 's of {$500.00} despite my efforts to resolve the matter, again this was done to an already negative account. repeated attempts to resolve the matter via phone calls to customer service who only directed me to the branch and the branch to collections and this frustrating process continued with more additional fee 's being charged despite claims from the bank that it would not.