23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying my loans faithfully through XXXX, but it seems nyshesc hires or sells defaulted loans to different collection companies. My wages are being garnished by XXXX XXXX XXXX XXXX, but as I mentioned I have been paying my loan faithfully. I need this garnishment removed from my employer 's payroll. Reference number XXXX. I had a XXXX and I have an XXXX XXXX, worrying about this company and other companies hired by nyshesc is making my condition worse. I might end up homeless. Please stop this abuse. I already wanted to XXXX XXXX because I see no light at the end of this tunnel of sharks after money that I have been paying. Maybe that is the best solution. Then they can't rob me any more. I'm paying and they are still garnishing please I beg of you, stop this garnishment.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Equifax. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.
Product: Debt collection

I had a credit card with the original creditor, XXXX XXXX XXXX, and enjoyed their services for over 3 years. Around XX/XX/XXXX, there was almost {$1000.00} in fraudulent charges made on my card in just a few days. My balance went from around {$600.00} to {$1600.00}. At the same time, XXXX XXXX had a separate credit card opened in my name that I never knew about. It was opened, maxed out and closed without ever making a payment. When I reached out to XXXX XXXX to resolve the issues, they refused to remove the charges and the additional credit card from my account. I wanted to continue using my credit card and their services but wanted the fraudulent charges and credit card removed. After going back and forth with XXXX XXXX for several months, they closed my account and reported it on my credit. I disputed the charges in writing with all 3 major credit bureaus at the time, around XX/XX/XXXX, as well as submitting online disputes. My disputes were ignored in favor of the creditor. The debt was sold to Midland Funding who promptly began contacting me and hitting my credit almost every month with late payments. I tried repeatedly to explain what happened and let them know that I wanted it resolved. I was served with court papers around XX/XX/XXXXXX/XX/XXXX from Midland Funding. After they lost the court case for failure to appear, I contacted the attorney 's office representing Midland Funding who said my case was no longer on their desk and is solely with Midland funding. I contacted Midland to try and have the debt removed and finally resolved since it had already been to court. But they refused to remove the debt and continued to harass me for payment. They are continuing to negatively impact my credit every month and this has been going on for 3 years. I have 4 negative accounts on my credit all from one creditor, from one bank in my life. I have 2 negative accounts from XXXX XXXX and two negative accounts from Midland and XXXX XXXX all for the same account. It should be illegal for collection agencies and shady creditors to financially ruin you.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account 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 XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX  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!

Delete the late payments from my consumer reports
Product: Student loan

I have been on autopay with EdFinancial for the entirety of my student loan repayment time ( XXXX graduate ). My loans went into forebearance in XX/XX/XXXX, however I continued to allow autopay in order to pay down the principal. EdFinancial shows no record of payment since XX/XX/XXXX and denies having received any payments from me, although my bank statements show proof of {$260.00} being taken out every month. I want proof that my payments have been received and that the entire amount has gone to principal, not interest.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, 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 a 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

TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

I am 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. They informed me that recovering lost funds was impossible and that tracking those transactions was infeasible. The cfpb findings indicate that zelle not only neglected to protect customers but also allowed offenders to exploit the system leaving users vulnerable to scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking XXXX XXXX, and Equifax to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Product: Credit card or prepaid card

I logged in into my Citibank account on XX/XX/2018, in attempt to pay my monthly payment before the due date ends. However, my attempt to pay the monthly payment was prevented due to a server error in the processing. I tried to make the payment again, five minutes later, but was unable to due to the same error. I did not tried a third time, in fear that it might locked my account. I repeated the same thing on XX/XX/XXXX and on XX/XX/XXXX, and the results were still the same ; my payment was prevented due to a server error. The issue was resolved today, XX/XX/XXXX, in which, the error did not occur. Since it was after the due date, I was charged {$35.00} due to having a late payment, which was not my error, but Citibank 's. I have a photo of the error, if you guys need it. Thank you.
Product: Credit reporting or other personal consumer reports

Corelogic please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward Michigan XXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by illegal XXXX XXXXXXXX  mortgage scam artist fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX and he used on over XXXX loans fake titles with two fake XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash XXXX XXXX  escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on title. Michigan department of Treasury XXXX. To confirm my ownership please review XXXX and XXXX.
Product: Credit card or prepaid card

I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays  on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit card

I had a charge off credit card with JP Morgan Chase, I PAID OFF the balance for less the amount, as agreed with Chase. I am requesting to have the account removed because is affecting my ability to find rental property and purchase a vehicle. I would like a welcoming home to live and a vehicle to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM TO AN IDENTITY DEATH AND MY INFORMATIONS WAS STOLEN ON 2015. 
FOR SOME HOW MANY CREDIT CARD WAS APPLY UNDER MY SOCIAL AND I DID NOT AUTHORIZE THEM. 

XXXX  AND XXXX  WAS ABLE ABLE TO IDENTITY THE IDENTITY DEATH AND WAS ABLE TO CORRECT MY CREDIT AND DELETED ALL THE FRAUDS ACCOUNTS. 
HOWEVER, EXPERIAN IS STILL REPORTING ALL THESE FRAUD ACCOUNTS ON MY CREDIT. 
I CONTACTED THEM AND FILLE A COMPLAIN TO HAVE THESE FRAUD ACCOUNTS REMOVE TO MY CREDIT BUT THEY DENIED ME. 

I WOULD LIKE TO HAVE EXPERIAN DELETE ALL THE FRAUDULANT ACCOUNTS. 

I ATTACHED MY CREDIT FULL REPORT ON XXXX  AND EXPERAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2018, my credit score has been wrongfully dropping every single month due to the wrong information on my XXXX loan. XXXX has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

Let this serve as documentation of my last time demanding that my consumer report reflect accurately. A 1099c was filed for the accounts for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for the XXXX tax year. I have attached copies of both copies of copy B which show they were accepted by the IRS so that I can properly file my taxes this year. The 1099c for these accounts show that the amounts are gross income according to the IRS and income is NOT reported on consumer reports. These accounts are reporting inaccurately as debts when they are in fact income. Mark these accounts as paid as agreed or delete them from my consumer report for inaccurate reporting. Failure to do so will result in my attorney filing suit against you FOR WILLFUL NONCOMPLIANCE for which you will be liable for the costs of all proceedings per your terms and agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : LendingPoint Loan Number : XXXX
Product: Credit card

I believe the account is invalid. USAA SVG BK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.USAA SVG BK XXXX
Product: Vehicle loan or lease

Bought a Kia XXXX and per the Dealership - used their GAP claim company EFG companies. After an accident in XXXX - EFG Companies never paid the GAP claim. They kept claiming KIA never sent them the proper documents ( Legible contract/Settlement Check/Payment history ). This has been on our credit since. We thought it got taken care of in XXXX when we sent the information we had to EFG ( again ) and KIA stated they would send the documentation. Per EFG they never sent the correct info. KIA ( the party responsible for 1 ) recommending this company and 2 ) NOT sending the required documents ) put this against OUR credit, even thought it was their negligence on not getting the documents to EFG that they told us they would.

Upon discovering this is STILL on our credit, WE spent the time trying to gather all of these documents that KIA failed to deliver on. Finally, EFG has sent a check to KIA for the GAP claim. We want this removed from our credit as we were NEVER late with our payments. This failure was on KIA 's side when they claimed they sent the documents in. KIA should not have recommended a company they have such difficulty with. They should not have told us the documents had been sent in. They should NOT have filed anything against OUR credit when it was NOT our responsibility to pay as we bought the Gap Coverage THROUGH them and it was documents THEY HAD that would get the claim paid.

KIA was not helpful at all in getting this resolved. We had to contact our old insurance company to get a copy of the Settlement check that KIA cashed. We had to figure out our login to KIA to get our payment history. I had to scan 20+ pages of a contract ( luckily still had it 5+ years later from when we bought the car ) to get something resolved that KIA could have resolved instantly. Yet through the entire process of getting this fixed ( long strings of emails I can also forward ) they were silent and absolutely useless. They did nothing except harm our credit over something that they had complete control over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been requesting my credit report from Trans Union 4 times a year for the past 3-4 years without my approval. There is no need for the bank to be doing this since I havent been a customer in about 4 years. I dont know what fraudulent information they are doing with my credit report but XXXX and Trans Union both were not able to help me and I want this stopped.