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

I am a victim of XXXX XXXXhe information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I dent know why this person at Well Fargo keeps closing the file. I want this person not to be the one reading, and trying not to help out .I need someone that goes into the account and pulls out copy of the checks that where made out to the bank for the safe deposit boxout just send me back a paper with no information, but the one you making up.Also I would like to add my investments XXXX in XXXX XXXX they were up it was a XXXX year free tax on this investment.I went personally to update my information, why haven't i received any notice, but the unclaimed homeless and need to bury my father this is a serious matter you can't keep playing, or get someone that wants to help and not you whom is just wasted my time here and at the complaint are you not the same person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... XXXX delteed one ... .transunion has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and 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
Product: Debt collection

Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the these late payments on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have disputed that the late payment in XX/XX/2021 should be removed due to a natural disaster declaration by FEMA that occurred that month
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment : XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Name : XXXX XXXX Employers : XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then XXXX % they have now is not within LTV guidelines. Having made the trial payments and additional XXXX months payments and they still do n't report them. 
I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against credit reporting agency and XXXX 's for violating the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. This reporting agency is inaccurately reporting late payments on my XXXX Account info Account number XXXX. Despite disputing this information on XXXX, the errors remain unresolved. This Reporting Agency has failed to conduct a reasonable investigation ( 15 U.S.C. 1681i ) and ensure accurate reporting ( 15 U.S.C. 1681e ( b ) ). XXXX XXXX has further violated 15 U.S.C. 1681s-2 ( a ) by furnishing false information. This misinformation has caused undue stress and hindered my ability to secure financing for a mortgage. I request the CFPB investigate these violations and require the removal of the inaccuracies from my credit report. Thank you for your attention. Sincerely, XXXX XXXX XXXX
Product: Student loan

I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the XXXX  XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. 

I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an incorrect report on my credit report in XX/XX/2020, for XXXX amount owed to XXXX XXXX through XXXX XXXX XXXX. The account was not mine and it was removed on XXXX. Now I have the same incorrect report again on my credit report for the same amount ( XXXX ) from the same company XXXX XXXX XXXX ). The difference is the collections agency this time is XXXX. It's still NOT my account and it has adversely affected my credit rating, dropping from XXXX to XXXX. Please help me clear this up for good. Thank you.
Product: Credit reporting or other personal consumer reports

I would like a RE-INVESTIGATION on my credit reports as the issue was was not corrected and still reporting inaccurate. The account below is still reporting a late payment as 30 days late XX/XX/year> ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX requesting all supporting documents, files, names, phone numbers that support this claim of 30 days late on XX/XX/year>. Please correct to paid on time immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ac autopay account was closed XX/XX/XXXX and now its seems as ac auto pay place another account on file for XX/XX/XXXX ... I have never step back in that office since XXXX of XXXX they place a. Delinquents on my account for the same balance that was owed back in XX/XX/XXXXto XX/XX/XXXX.. they made it seem like I refinance another vehicle in XX/XX/XXXXbut didnt make payments so and now their coming after me again ... .THEY HAVE NO RIGHTS TO DO THAT ..I never applied for another vehicle or finance with them please help me understand whats going with this company AC AUTO PAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for Apple Pay unfreeze my XXXX  credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and apple credit card application can not verify my identity but will place inquiries on my credit bureau report.
Product: Debt collection

Hi! 

I paid in full this account {$310.00} and the creditor still reporting a charge off account to the bureaus. 

Thanks!
Product: Debt collection

Company claims I owe {$190.00} to   XXXX   XXXX   XXXX   XXXX  . However, I have attached a receipt dated  XXXX / XXXX /   16 from   XXXX  with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.
Product: Mortgage

Filing this complaint against US Bank N.A. in particular XXXX XXXX XXXX Corporate Trust Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who responded to the XX/XX/XXXX request to address the notice of rescission originally filed with them XXXX XXXX. It appears US Bank N.A. ( Bank ) is assisting XXXX XXXX XXXX , XXXX ( XXXX ) in falsely reporting US Bank as a Trustee for a trust that allegedly is in possession of a note and mortgage on my property XXXX XXXX XXXX XXXX, XXXX XXXX ( the property ). XXXX alleged account # XXXX. 
XXXX XXXX certifies that there is a note and mortgage on said property owned by the trust they represent and that XXXX is their servicer for said note/mortgage. For over 5 years numerous request were made to the Bank to verify their status and verify the status of XXXX. All requests were ignored by failing to provide any responses to our numerous legitimate inquiries. Requests were made to the Office of the Comptroller Currency ( OCC ) to assist us in this matter. They too failed to properly address my concerns. I believe without proof of ownership of an alleged note/mortgage any reference to it should be considered false and invalid. In addition the Bank failed to provide proof of the servicing rights of an alleged mortgage/note that assists XXXX in committing an illicit act and the Bank should be held culpable for their participation in a possible fraudulent action. 
I believe the Bank is falsely reporting a note/mortgage in their possession because XXXX XXXX the owner of said trust ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) filed a notice of a XXXX with the Security and Exchange Commission ( SEC ) in XX/XX/XXXX notifying the SEC they would not be filing any further reports on the trust as of the date of notice. Additionally XXXX XXXX XXXX who brought the rights to manage the trust in XX/XX/XXXX filed a report that the trust was void of any notes/mortgages. Additionally a fraudulent notice of assignment transacted on XX/XX/XXXX was filed with the XXXX registers office. Attached copy of said assignment identifies the numerous errors that certified this document as false and invalid. 
For the reasons stated above I believe the Bank should be held culpable for assisting XXXX in committing any possible illicit actions in this matter. An additional complaint will be filed against XXXX for their newest violations of the FDCPA and the FCRA. 
Thank YouXXXX XXXX XXXX XXXX.
Product: Credit card

I have recently had some credit card delinquency, but not with some of my banks that I currently have revolving credit with. I have been trying to resolve my financial issues. In the meantime, I have never been late with a payment or delinquent with my Juniper Card through Barclay. I received my tax return and paid {$1000.00} payment on my Juniper card because I will have to take a trip XX/XX/XXXX and reserved a hotel room with it. I checked on my account today online to find my account has been closed! I called the number for customer service, thinking it must be a mistake because my card does not expire until XX/XX/XXXX, and customer service informed me that my account has been closed due to my credit report. Can they steal my money that way? Can I sue them for corrupt practices? Where is my consumer protection?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to XXXX XXXX my payment every month. I had been in my house over XXXX  years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to cardinal on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to chase and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXXXXXX XXXX has violated my rights.

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX attempting to collect {$3000.00} on behalf of USAA for an accident that occurred in XX/XX/XXXX. I had purchased full damage waiver coverage from XXXX, which means that XXXX assumed full liability for any damages. Therefore, XXXX is attempting to collect a debt that is invalid because I am not liable for any costs associated with the accident. In addition to the collection attempt, I also received a letter from Homeland Security stating that my license may be revoked due to this claim, which is completely based on the invalid debt. I am requesting that XXXX cease all collection efforts immediately, and that Homeland Security confirm in writing that no action will be taken against my license due to this false claim. I also ask that a resolution be reached confirming that I am not liable for the debt XXXX is attempting to collect.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Debt collection

I spoke to this company on XXXX XXXX XXXX, XXXX and informed them that this debt is almost XXXX XXXX XXXX. I was in my early XXXX 's at the time of this debt and am now almost XXXX years old. 

He agreed it was uncollectable and I asked him to stop calling and to not hurt my credit. 

He assured me he would not. 

The next day he calls my parents asking for me at XXXX XXXX XXXX obviously trying to embarrass me into paying a XXXX XXXX XXXX debt. 

He was told not to call on XXXX yet called my parents anyway the next day.
Product: Checking or savings account

I am filling a complaint with the cfpb regarding Capital One failure to deposit my direct deposit from my employer and other incoming deposit. Capital one has cited technical issues, which may violate the EFT as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you