23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the Veteran 's Administration ( VA ) reported a debt on my credit report of approximately {$1800.00} due to an over payment made by them. At the time I was stationed abroad as a XXXX, on U.S. government orders. The VA erroneously mailed notification of this over payment to an out of date address.
I did not learn about this debt until XX/XX/XXXX of XX/XX/XXXX.
On XX/XX/XXXX I paid the debt in full in a single payment to the VA. The VA did not process this payment until XX/XX/XXXX. I have a letter from the VA confirming payment in full.
On my XXXX and XXXX credit reports the debt is shown as being paid in XX/XX/XXXX. On my Experian report, it currently shows the debt as in collections as of XX/XX/XXXX.
Initially, my report showed the debt as being in collections as of XX/XX/XXXX, but I filed a dispute with Experian in XX/XX/XXXX.
As a result of that dispute, my credit report was updated to reflect the debt as being collections in XX/XX/XXXX. I called Experian to report the information as inaccurate and was told that only the VA could change the information on file, and I would need to call them. When I called the VA, they confirmed that their records showed that the debt had never gone into collections and that it had been paid in full in XX/XX/XXXX, but stated that the only remedy they could provide is a letter confirming this information to Experian, and that it was my responsibility to correct my own report.
The letter the VA provided me with is the same confirmation letter they provided earlier, stating that the debt had been paid in full in XX/XX/XXXX. When I disputed the information again, also in XX/XX/XXXX, Experian changed my report to show that the debt went into collections in XX/XX/XXXX - which is less accurate than it had been initially.
The information should state that the debt was paid in full as agreed in XX/XX/XXXX instead of stating that the debt is in collections as of XX/XX/XXXX. The dates of pay off are important because it impacts when the information will fall off my credit report, and reduce it 's impact on my credit score.
Product: Credit reporting or other personal consumer reports

This morning, I spotted unauthorized inquiries on my credit report, and Im baffled by their presence. I refreshed my browser, thinking it was an error, but they didnt go away. I urgently request a detailed review of my documents to resolve this issue and ease my worries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to communication in connection with debt collection under 15 USC 1692c. 

XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1962c ( A ) ( 1 ) states ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1. ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX  local time at the consumers location ; 15 U.S.C 1962c ( C ) ( 1 ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my credit score EVERY TIME I PAY IT OFF! My credit score dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate reporting of my credit history by XXXX, XXXX, and Experian, which is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Despite providing ample evidence to support my claim, all three credit bureaus continue to report differing late payment records for my XXXX  XXXX XXXX credit card, which was paid off in full. 

I have meticulously maintained my credit obligations and have never missed a payment on my XXXX  XXXX XXXX credit card. Any discrepancies in payment history reported by the aforementioned credit bureaus are not only erroneous but also damaging to my creditworthiness. 

To rectify this issue, I visited my XXXX  XXXX XXXX XXXX and obtained confirmation from the business XXXX associate, providing concrete evidence that all payments were made on time and in full. Despite presenting this evidence, the credit bureaus have failed to correct the inaccuracies in my payment history. 

Under the FCRA Section 611, I am entitled to a fair and accurate credit report. The discrepancies in my credit history are in direct violation of this provision. Additionally, the reporting agencies are obligated to adhere to Metro 2 compliance standards, which govern the reporting of credit information. 

I respectfully request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that XXXX, XXXX, and Experian accurately reflect my credit history in compliance with the FCRA and Metro 2 standards. Additionally, I urge for a thorough investigation into the discrepancies and prompt resolution of this issue. 

Enclosed with this letter is the evidence provided by XXXX  XXXX XXXX confirming my timely payments. I withdrew money to then pay my credit card at the same time since I was already at the bank. It really doesnt get anymore clear. I want this fixed. I kindly request that you review this documentation and take appropriate action to rectify the inaccuracies in my credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit history.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$310.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$300.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services.I Contacted Transunion and told them that this inquirires are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XXXX ( Bank ) XX/XX/2024 XXXX  XXXX ( Bank ) XX/XX/2024 2024
Product: Student loan

I put in a debt consolidation request and they sent it to XXXX. I called XXXX  after receiving a letter saying they could not consolidate because some of the loans are still in XXXX XXXX. I sent a message to Mohela through the portal notifying them I have been out of school for a year and they said I have to call. I can only call during their hours on Fridays because I am in XXXX time and my work schedule is always while they are open. Well, I called one day during lunch and they said the wait was 3 hours, which would not work. I called back Friday and have now been on hold for 6 and a half hours after being told the wait was 3 hours when I first called in. There is no option for a call back later either. I also sent another message through the portal letting them know how difficult it is to speak to anyone. XXXX  services that was supposed to do the loan consolidation says they don't even have my information anymore because they just sent it back to Mohela because it was denied. I am not able to use my PSLF until I can get my loans consolidated.
Product: Credit reporting or other personal consumer reports

Account # XXXX Dear CFPB, I am writing to formally report inaccuracies in my credit report as maintained by Equifax, specifically concerning my payment history with XXXX XXXX XXXX I believe these discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting your assistance in addressing this matter. 

Equifax has inaccurately reported that I was first delinquent in XX/XX/XXXX, while simultaneously marking my payment history for XX/XX/XXXX as on time. However, it is impossible to be reported as 60 days late in XXXX without first being marked as 30 days late in XXXX. This inconsistency raises serious questions about the accuracy of Equifaxs reporting.

Furthermore, Equifax has indicated that my account was charged off in XXXX. I reached out to XXXX XXXX XXXX, and they sent me a letter confirming that the account was not charged off until XX/XX/XXXX. I have attached this letter as proof. Despite this, Equifax continues to misreport my account as charged off every month, effectively pre-aging my account, which is not only misleading but also illegal. 

Additionally, I received a letter from Equifax stating that my dispute was considered frivolous. I find this conclusion baffling, especially since my report is filled with inaccuracies. I have attached a copy of my credit report from Equifax, which outlines these discrepancies. If Equifax had conducted a proper investigation, I would not have had to repeatedly dispute this information. 

I intend to file an FCRA report for fraud due to Equifax 's failure to conduct a proper investigation into my dispute. This letter serves as my final attempt to rectify this situation. If these inaccuracies are not corrected promptly, I will have no choice but to pursue legal action against Equifax for their negligence and failure to comply with federal law. 

Thank you for your attention to this matter. I hope for a swift resolution and appreciate your assistance in holding Equifax accountable for their reporting practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone was able to access my online banking from an XXXX ( I have an XXXX ) from XXXX XXXX ( I live in XXXX  ) and sent XXXX XXXX payments ( {$150.00}, {$250.00} ). Then proceeded to file claims on transactions I had legitimately done to have funds reversed putting {$160.00} back in my account and then sent a XXXX XXXX ( {$150.00} ). They were all sent to a " XXXX '' which I do not know a " XXXX ''. I have never used XXXX before either. I proceeded to contact my bank, Chase, and processed the necessary claims and had to change my passwords, usernames, put extra security on my account and enroll in ID theft protection. Chase proceeded to give me provisional credit for {$400.00} of the {$550.00} while they did the investigation. Chase then took the {$160.00} back out of my account the next day. A week later I got a letter stating that they had conducted the investigation and found that the charges were legitimate and authorized so they would be taking the {$400.00} back within XXXX business days. I contacted Chase and asked for an explanation and was told a fingerprint was used to make XXXX payments. I assured them that it was not me, I do not know a " XXXX '' nor have I ever used XXXX. Chase told me that I could reach out to the person the XXXX was sent to to request refund. I then was very frustrated and wondering how on earth I could reach out to someone I did not know who they were. Last I checked, you have to have a phone number or email address to send a XXXX, if I didn't send these payments, how would I have this information?? I proceeded to go onto my chase app and look into my XXXX  feature. I was never enrolled, and it asked me to enroll, so I took screenshots of that page and the enrollment confirmation. I then saw my most recent recipients/transactions ( people had sent me XXXX, but I have never sent via XXXX  ) and guess what, there was no " XXXX '' listed. I screen showed this as well and sent in all my evidence to Chase hoping this would help get my money back. I am a single mother of XXXX XXXX  who has also been a customer of Chase for over XXXX years. I have been loyal to them and I get treated like this.
Product: Debt collection

This number XXXX has called me : Saturday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX Sunday : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX From XXXX  around, it seems like this is a collections company that works with synchrony bank. I do have an account with them that I missed one payment on ( total account balance under {$250.00} ). My check is in the mail ( I put it in the mail on XX/XX/19 ) to pay the entire balance and late charges. This is ridiculous and uncalled for harassment for one missed payment for such a low balance.
Product: Checking or savings account

I have an account with TD auto withdraw to pay a mortgage to TD. For 8-10 months TD was calling me every 2 weeks to tell me I was delinquent but could never figure out why it was showing this way since the auto pays were religiously coming out. A couple months ago they did a withdrawal from the account with no notification which made the auto withdrawal bounce resulting in fees. Finally they after that we figured out the loan actually came due so they were suppose to send me paperwork to reactivate the loan ... this paper work has not been received to this date. On XX/XX/XXXX TD issued the auto pay to TD but now they put a deposit only status on the account blocking the check THEY issued to themselves which will bounce due to this restriction causing fees. This is a mess with them. One hand doesn't know what the other is doing. Reporting and disclosures are deficient at best. Obviously the money is in the account to cover the payment. They claim the restriction is to lock up any deposited funds to be applied to the mortgage which is where it is going anyway..the whole thing makes no sense. This needs to be addressed ASAP as I am sure TD is in violation of some kind of reporting under your rules and I am also sure that there are violations existing just by virtue of not properly sending notices, attaching accounts and causing erroneous fees to me as the consumer.
Product: Checking or savings account

I had an account with chime. They closed it then send an email informing me that it was closed. I sent them all the documents they asked for but they still wont give me back my money. Everything was verified.
Product: Payday loan, title loan, or personal loan

At the end of XXXX, I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, to help me lower the overall payments/rate of the payday loans I am currently paying on. As of XX/XX/2021, XXXX XXXX took charge of four payday loans. One of those loans was through Loan MeXXXX XXXX. XXXX XXXX however, still wrongfully debited my Checking Account in the amount of {$190.00} on XX/XX/XXXX. I let that one payment slide since I just joined the payday loan settlement group just a day prior. On XX/XX/XXXX, Loan MeXXXX XXXX yet again wrongfully debited my checking account in the amount of {$190.00}. I contacted my bank, XXXX XXXX, and they mentioned contacting the loan company first to inquire about the mistaken charge. When I spoke to the Loan Me/XXXX XXXX agent, I was told there was nothing on my account regarding stoping ACH withdrawals or that they were contacted by XXXX XXXX XXXX XXXX I knew the lady/agent was either certainly lying and/or whomever XXXX XXXX XXXX spoke with was a shady agent and did not do as they were told. I then reached out to XXXX XXXX to confirm they did in fact contact Loan MeXXXX XXXX and sure enough, they did. I have not had any issues with the other three payday loan companies XXXX XXXX XXXX is dealing with on my behalf, so I truly believe they were telling me the truth. Afterwords, I contacted my bank and asked them to put Stop Payments on Loan MeXXXX XXXX. I looked at my checking account on XX/XX/XXXX, and much to my dismay, Loan MeXXXX XXXX once again debited my checking account for {$190.00}. On XX/XX/XXXX, I recently e-mailed XXXX XXXX  inquiring what happened to my previous Stop Payment request and truly hoping this can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened I KEEPT GETTING ALERT FROM SIGHTS ALERTING ME A NEW INQURIRIES WERE MADE. I DIDNT APPLY FOR ANYTHING BUT TOOK ALOOK AND ALL THEESE INQURIRIES WERE DONE WITHOUT MY KNOWLEDGE. OR MY PERMISSION. companys that ran my credit without knowledge or permission : 1. XXXX on XX/XX/XXXX 2.dept of ed on XX/XX/XXXX 3XXXX XX/XX/XXXX XXXX XXXX XXXX twice on XX/XX/XXXX & XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX 8. XXXX  XXXX XXXX  on XX/XX/XXXX 9. XXXX  ran twice on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX 11. XXXX on XX/XX/XXXX 12. dept of ed on XX/XX/XXXX 13.XXXX XXXXXXXX on XX/XX/XXXX 14. XXXX XXXX  on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX   credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.
Product: Mortgage

My mortgage payment in XXXX XXXX and XXXX notes i sent with my payment. Even sent different checks so that it will be applied accordingly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XX/XX/year> 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  days before the payment due date. 


XXXX XXXX XXXX XXXX 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  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, TransUnion, and XXXX have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

I already received approval for Borrower 's Defense application pursuant to the Sweet v. Cardona lawsuit. Here is the problem : My loan was paid off through XXXX  XXXX XXXX. XXXX  XXXX XXXX went out of business and my loan was transferred to Nelnet. Nelnet has had my loan since XXXX of 2022 but refused to enter it into their system. I was told that the servicer is the one to notify the Department of Treasury so that the Department of Treasury can issue a refund. So, I guess Nelnet would be the ones to notify the Department of Treasury. Unfortunately, Nelnet is not entering paid loans in their system. Therefore, Nelnet does not know that I even exist. So if Nelnet does not even know that I exist, they will NEVER notify the Department of Treasury and I will NEVER get my refund. I have asked to speak to a supervisor numerous times but they never let me talk to one and a supervisor never calls me when I leave my number. I have sent numerous emails but all i get is an automated response that doesn't apply and it tells me I am not in their system- Duh! So I have absolutely no way to resolve this problem.