23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Wells-Fargo student loan. I have never missed a payment, and I pay more than the minimum amount due. I attempted to consolidate the loan to get a lower interest rate and was told that I could n't because I have a cosigner whose income was not sufficient. My father is retired and his profit sharing/Social Security does not count as income. When I attempted to remove my father as a cosigner, I was told that, despite the fact that I have never missed a payment and pay more than the required amount, I could not remove him because I have too much debt in relation to my income. The debt that puts me over is most likely Wells-Fargo. I net $ XXXX/month and I pay {$640.00} to Wells-Fargo, though I only have to pay {$500.00}. I just want to remove my father as a cosigner. They are factoring in my car payment, rent, federal loans, etc., even though that debt has not stopped me from paying them. I do not receive support from my father. In fact, I live in a different state. I am XXXX, married, and living on my own with my wife, and can support this with documentation. I asked Wells-Fargo if a letter from my father explaining that he does not pay for my loan and a letter from my bank stating my father is not on the account would be enough to remove him, and they said no. At this point, I just want to remove him so he does n't have this hanging over his head. Whether it results in a lower interest rate is no longer the main reason. I am tired of conglomerate banks giving out loans to people, then saying that they do n't make enough money to pay them back. Why would you give money to someone who you do n't think can afford the payments? THAT should be illegal. It 's no different than banks giving mortgages to people who will obviously end up in foreclosure. Banks are destroying the American Dream one student loan at a time, and frankly, it needs to stop. All I want is my father off as cosigner and, if possible, a fair interest rate with a payment that wo n't cripple me. Evidently, that is too much to ask. So I 'm done going though the lender. I am going through my legal, government-sponsored resources.
Product: Debt collection

I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations Transworld Systems Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) Transworld Systems Was Unfair in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave Transworld Systems Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General
Product: Money transfer, virtual currency, or money service

Significant amount of money kept getting tooling from me. So I called to speak to a representative in no one ever picked up. Then on the app I spoke with robot in couldnt help solve my problem. Money was stolen I tried disputing instead my cashapp was cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complaint to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The accounts I am disputing do not relate to any transactions obtaining any possession of, goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that is suited for alleged identity theft. 

This account is unknown to me. Also, the information you provided is incorrect, and about have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report from XXXX XXXX XXXX XXXX and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that XXXX XXXX XXXX XXXX has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. XXXX XXXX XXXX is in violation of 15 usc 1692g as they have failed to validate the account they and EXPERIAN, XXXX and XXXX are reporting while defaming my character. FDCPA 807 misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.
Product: Credit card or prepaid card

In the summer of 2022 a dispute arose from fraudulent transactions on the account in which Discover had temporarily reversed. Discover also sent out a new card and there has been no issues of fraud since that time. On XX/XX/XXXX, I received a call from a Discover fraud investigator, asking a series of leading questions, lying in some circumstances and indicating what she was going to do. She was also trying to get me to admit that I myself actually made the purchases that had been claimed as fraud. I refused to admit such an absurdity. Furthermore, the next day, Discover had charged back the following transactions to my account : XXXX XXXX XXXX XXXX XXXX XXXX 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 called Discover yet again, the Fraud Protection Unit then sent me out an Discover Affidavit to fill out and send back to them. I did so and they now refuse to honor their own affidavit they send out to their customer as the police refuse to investigate such a case.

Lastly, Discover has been very rude and aggressive on the phone, not helpful, and not willing to resolve the issue amicably. The result of the these chargebacks has put my account over the limit as well. I have continued to make the minimum monthly payment until I can get this issue resolved. Discover has refused to make any adjustments and blamed me for the charges. I do not have a copy of the affidavit as it was an original affidavit with the Discover letterhead on it. Discover has indicated to me that they in fact have received such document from me. ...
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/2024. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
Product: Debt collection

CMRE IS IN VIOLATION OF SOL, FCRA, FDCPA AND TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

Chase credit account on credit report past 7 years. Last payment was XX/XX/2017 per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX- XXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : Great American Finance
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX account was settled in full. I called Rise on XX/XX/XXXX, to ask for the balance since I will be settling the account in full and early and made a commitment to pay it on XX/XX/XXXX without late fees and they agreed. Lately, I was checking my credit score and found they have reported that I have a late payment in XX/XX/XXXX which is not agreed during the call. I called Rise and inform disputed that I should not have a late payment, one of the rep agreed and will get back to me. Waited for a month and didn't get an update. I called them again and the rep told me it was valid but don't have the proof to send me how he validated the missed payment. I need help to have this removed from my report with XXXX  as it was not accurate reporting.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Money transfers

The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....