23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the Federal XXXX loan forgiveness program. I have been XXXX XXXX XXXX XXXX for 23 years. Navient has stated that I do not qualify for this program.
Product: Credit card or prepaid card

PNC Bank credit card, contacted me several times about a possible fraud charge of {$200.00} charged at XXXX XXXX XXXX on XXXX, XXXX, Indiana on XX/XX/2023, to verify the amount the amount charged and Because it showed a {$200.00} fraud charge After several attempts to get this resolved with PNC bank I closed and paid the credit card in full, but my money {$200.00} was never refunded PNC paid the {$200.00} charge even after it showed on my statement that charge was only for XXXX I think this was personal with PNC they are mad that I closed the account, and because of it they kept opening, and changing the credit card on this account per to me requesting to close the account due the fraud charges and not able to come to a conclusion with this bank.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found ; 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 Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Student loan

I just obtained a copy of my credit report and noticed that there are accounts on my report that are not mine. Please remove the accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I am replying to the response of Nationstar to the Consumer Protection agency. New laws have been passed recently to protect homeowners against predatory lenders,. that try to take properties from homeowners. Nationstar refused to take my checks sent in the total amount of {$11000.00} when I owed {$12000.00}. I should be allowed to pay this money to nationstar or be able to do a short term forebearance. I can pay my payment of {$1300.00} a month plus {$1000.00} extra every month until caught up. Nationstar is not helping me to catch up or to keep my home. I have senior parents living with me XXXX ahd XXXX. I need to stay here. P, kease check these new laws for me and try to get Nationstar to work weith me.
Product: Credit card or prepaid card

I had a dispute with a merchant, BOA did not investigate, then told me they could not dispute, months later, w/o a credit slip. I asked for a credit slip and they have not provided me with one
Product: Debt collection

I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.
Product: Debt collection

Common Wealth sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt for XXXX that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Common Wealth.
Product: Vehicle loan or lease

The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Student loan

There is a reported loan on my credit report. The company 's said that I co-sign on their loan. This is not true and I have no idea whom this person is. Sallie Mae XXXX XXXXXXXX, XXXX, DE. XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX : 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 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, credit repair services, or other personal consumer reports

William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off at 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account. 
I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX bank has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.
Product: Vehicle loan or lease

My bank XXXX  my car and while it XXXX  the comps they hired damaged my vehicle and put almost XXXX miles on it. I paid XXXX to get my car back from bank after not being notified I was getting XXXX. They still have balance I owe yet I havent been able to use the vehicle they damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my husband and I went to XXXX XXXX XXXX to trade our company vehicles. 
On XX/XX/XXXX, I received a notification from the monitoring credit bureau that my credit has dropped over XXXX points. 
I had no idea what was going on and I started investigating the situation. 
On XX/XX/XXXX, I called XXXX XXXX to see why they posted that I was 30 days late on my truck payment when I traded the vehicle on XX/XX/XXXX to XXXX XXXX XXXX. They said they haven't received the payoff from the dealership. I said yes you have. I have the recipe they sent me from the pay off. The superior advised me to go to a XXXX XXXX branch and fax the payoff receipt to them. I did exactly as they asked. He then told me to call XXXXXXXX XXXX  back while I'm at the XXXX XXXX XXXXXXXX and let them know the fax was sent. I did that, but while I was talking with another supervisor from XXXX XXXX, she started to accuse me of being late on my payment. I've never been late on any of my payments nor any of my XXXX XXXX XXXX payments. I told her the payoff that the dealership sent paid the XXXX payment and the rest of the vehicles balance. I then, Ask her to back date my account and remove the discrepancy from my credit. She began to accuse me again of me not paying my payment and it was late. I could see that she was trying to entrap me. So, I explained to her again. The payment wasn't late and the payoff covered all balances owed on the vehicle. Needless to say, nothing was done and no back date was added to my account to correct the discrepancy on my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had two credit inquiries from capital one bank, and XXXX XXXX XXXX XXXX. The companies had been informed of my identity theft, and the inquiries have cleared from XXXX and XXXX. There was no completion for the credit card applications. However, the inquiries remain on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Sent disputes with Experian regarding a lot of inquires that I dont know who or what they are also there is charge offs that are still in there which should t be since the claimed charge off which makes it earned income but I havent received my 1099c and all my disputes file I havent heard anything and nothing. Even taken off report like should be. Only one I heard from is XXXX  XXXX regarding Loan and they lying about situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Good afternoon, All of my information was recently exposed in a data breach. According to 15USC 1681, I have the right to privacy. This data breach exposed all of my information including but not limited to sharing my charge offs with companies, bankruptcy, and all derogatory information all of which should have been deleted in XXXX. However, this is still reporting and preventing my score to increase. 
Please check that this is removed especially since my information was exposed in this breach. 
Thank you,
Product: Credit reporting or other personal consumer reports

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 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, I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting Dear Sir/Madam , My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX  Texas XXXX XXXX I am writing to file a formal complaint against XXXX for continuing to report inaccurate information on my credit report, despite having previously disputed these inaccuracies. 

In my initial complaint, I stated that Equifax was not following the Fair Credit Reporting Act ( FCRA ). I had disputed several items on my credit report, including incorrect dates, amounts, missing payment history, and missing payments. I clearly marked these discrepancies and provided supporting evidence to Equifax. 

However, instead of correcting the inaccurate information, Equifax sent disputes to all of my credit card companies, causing them to close my accounts. As of today, XX/XX/year> I had 5 XXXX XXXX XXXX  closed and two XXXX XXXX XXXX closed, the following accounts have been affected : as well as hasn't corrected the issue that i sent on reports circled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  All 5 of my XXXX  XXXX cards I never disputed any of my accounts themselvesonly the incorrect information on these accounts. I have never missed a payment on these cards. Equifax actions have caused serious financial consequences and unnecessary mental anguish, as I now need to take additional time to write letters, send identification, and go through the cumbersome process of correcting errors that should have been resolved initially. 

I am requesting immediate correction of the inaccuracies on my credit report and the reversal of all actions taken by Equifax that have negatively impacted my credit accounts. This includes contacting my credit card companies and ensuring the reopening of any closed accounts that were improperly affected by these disputes. 

I expect prompt attention to this matter and a clear response outlining the steps being taken to correct the errors. 

Thank you for your time and assistance. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I recently had an account with cash app and had about {$1000.00} in my account and somebody hacked into my account in fraudulently transferred money out of my cash app account to my debit card that was hooked up to my cash app account and then withdrew the money because somebody had stole my debit card and my cash app information I found the dispute with cash out back in XXXX and they've been done nothing but give me the runaround lie to me send me bogus emails ignore my requests tell me lies about how long it'll take they say they're not responsible for any money that was fraudulently or stolen out of your cash app account and that they will not replace it and all they do is lie to me lie to me lie to me and will not take care of the problem that is at hand the money being fraudulently took out of my account I've sent all the information they've requested the transactions that were fraudulently stolen I've sent them all the information they requested proving that it was fraudulently took out of my account and they still do nothing but lie to Me lie to Me lie to Me the refusing to replace any money that was stolen or fraudulently transferred out of my cash app account they say that they're not responsible for any of that and they will not return my funds to me
Product: Student loan

In XX/XX/XXXX, I requested a review of my payments that were eligible for XXXXSLF. I work for a Public School ( 16 years and counting ) with Consolidated Loans, with 127 payments made towards them. Only 17 are eligible?? I have requested the reasons why only to be told thats all that are eligible. I requested that the payments be reviewed only to be told that it would take months to perform this recount. I was told that it would take three months, now I being told that they do not know how long the counting will take?? 

It took me 10 min to tally up my count? 

With the new Federal Rules for PSLF/TPSLF ALL of my payments should be counted. I have ALL of the necessary credentials for forgiveness, and I can not understand how I only have 17 payments being applied to my forgiveness, ALL 127 payments, NOT even counting the 20 months in Federal Forbearance, which would put my count at 147 payments?! 

I expect full loan forgiveness as a result of this review of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account, pursuant to 15 USC ( e ) ( b ) 1. XXXX XXXX # XXXX This account reports different from the other XXXX major credit bureaus, which is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.