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

I would like to follow up regarding of my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. I am asking for your help to correct these late open accounts in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

Sent CFPB report as well as a identity theft report and a letter from the United States Attorney General office about these fraudulent accounts thats has not been removed according to the Fair Credit Act section 609 ( e ).
Product: Credit reporting or other personal consumer reports

Recently submitted a complaint for these companies to provide validation of proof to why they could be reporting these accounts on my credit they seemed very misleading and wrong these accounts have been re - opened and I didnt re open them or ask for them to be after they were closed and deleted The open dates, status, balances, comments, amounts due, last reported, terms, activity, and data I provided all accounts and evidence across the board from XXXX reporting, equifax reporting and XXXX reporting to my nature all data has to be 100 % accurate by law and it wasnt and I showed why I thought it was not. The accounts was deleted from my report then recently just added without evidence to why which is very misleading and wrong.

Between these dates they have re opened these accounts and added back on my credit without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By law I asked for each account to be deleted again and all data from each company be deleted and never shared with these reporting agencies again until evidence is shown in writing they are hindering my financial well being and I feel like they have yet to do a throughoul investigation into my complaints Once again I will Provide all evidence before no updates, or corrections of the errors they made is acceptable everything was supposed to been 100 % true.
Product: Debt collection

The Complaint that I have is with CAVALRY PORTFOLIO SERVICES. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CAVALRY PORTFOLIO SERVICES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments were applied to my Experian credit report levied by XXXX. The late payments are inaccurate because funds were readily available at the time those payments were attempting to be processed through my banking institution. Somehow the funds were processed from the wrong account ( Accumulations account ) that does not function as a debt account. The withdrawal was not processed through my checking account that handles all monthly bills. Documents can be provided to prove that funds were readily available in my checking account at the time XXXX attempted to retrieve the payments. This is merely some kind of technical era but not negligent on my behalf. Furthermore, my rights have been violated causing my credit score to drop by almost 70 points causing major financial issues. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX  ) and ACCT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

A : On XXXX XXXX, XXXX, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/XXXX Husband XXXX XXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XX/XX/ XXXX, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
E : Since XX/XX/2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.
Product: Debt collection

Good Morning Hope all is well name is XXXX XXXX XXXX Sunrise credit Group LLC place a debt of {$1500.00} in collections on my credit report. I called them and ask them could they send me the True bill or a state they did not have that information and i refuse to give them my social security number. This goes back to 15 USC 1692e ( 4 ) Thank you so much.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report 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 XXXXXXXX XXXX {$580.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Student loan

I have been contacted several times by phone by a Mr. XXXX at Sallie Mae. I have sent two letters in the past asking Sallie Mae to cease calling me and to contact me only through mail. Sallie Mae only wants to talk to me about my " options '' through the phone. They continue to call me and my mother throughout the day while I am at work. I want to have my options written out on paper where I can see what my options are, and I can respond by letter. I am making payments, albeit the payments are not the {$5000.00} dollars they would like from me monthly ( as I can not afford this amount, and I do not even make half this amount monthly ). I have spoken to their customer service agents on many occasions, of which I've detailed several of those conversations on CFPB, and they do not offer any services that will assist a XXXX working class American, such as myself. The lowest they could ever lower my payment was just over {$1000.00} per month. I can not afford that payment, and I do not have relatives or friends to assist me in that payment. Given that this is my loan, and not a friend or relative 's loan, they do not have to. Additionally, we live within similar financial classes, and they couldn't help me even if they wanted to. 

What would help rectify this situation? For Sallie Mae to cease calling and to send all their correspondence by email with details of all my options written out. I would also like an option to respond by letter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX  DATE OPENED : XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX balance and payment is reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I got Access to my credit report and saw fraudulent accounts and inquiry 's reporting on my credit report Please help me resolve this issue this is destroying me financially in my life please help me request written permission with consent and signature of the full disclosure of these account being open from the creditors and credit bureaus. this is a violation of FCRA LAW CODE : 15 USC 1681B Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. 

605B 15 USC 1681N 15 USC 1681Q PLEASE HELP ME RESOLVE THIS ISSUE AND REMOVEDELETE THESE ITEMS : Collection XXXX OPen XXXX Balance : {$1300.00} Collection XXXX Open XXXX Balance : {$800.00} Capital XXXX Open Date : XXXX XXXX Balance : {$540.00} Collection XXXX Date XXXX Balance : {$1900.00} THESE ARE INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I changed bank account and forgot to change payment information. as soon as I figured it out I made a payment right away, and then made a payment days after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and unauthorized accounts that have been reported on my credit profile by the major consumer reporting agencies, TransUnion and Experian. Despite my efforts to address this matter directly with the credit bureaus, these accounts remain on my credit report, and I seek your assistance in resolving this issue. 

The accounts in question are as follows : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX I am disputing these accounts for the following reasons : Unauthorized Reporting : None of the accounts were reported with my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to control the information that appears on my credit report. These accounts were furnished to the credit bureaus without my consent, violating my rights as a consumer. 

Student Loan Reporting ( XXXX Account ) : With regard to the XXXX XXXX XXXX, I also wish to highlight that the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ), protects the privacy of student education records. Under FERPA, no educational institution or loan servicer is allowed to disclose student loan information to a consumer reporting agency without my explicit consent. This account was reported without my consent and in violation of FERPA regulations.

Inaccurate Information : Under 15 U.S. Code 1681s-2, any person who furnishes inaccurate information to a consumer reporting agency must notify the agency that the information is inaccurate. These accounts were reported without proper verification, and I assert that they contain inaccurate and unauthorized information.
Product: Credit card or prepaid card

I made a payment. to Bank of America card which was not successful. I called them and informed them that I have made alternative arrangements. I requested them to adjust the balance to reflect the new credit remaining. They said they would take care of it on XXXX XXXX2023. However I notice that they have processed the alternative payment but didn't adjust the credit available yet. 

Failed payment : Dear XXXX XXXX : Unfortunately, we were unable to process your scheduled payment for the following Pay To account, due to insufficient funds in your account : Recipient Amount Payment Date Reason Returned Pay From Account BK OF AMER VISA {$130.00} XXXX/XXXX/2023 INSUFFICIENT FUNDS XXXX  Action Required : This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using Bill Pay or make the payment using an alternative method. 

Note : Because we attempted to make this payment to the Pay To account, multiple transaction entries may appear on your Pay To account statement. 

If you have any questions, please contact us at XXXX. 


Alternative payment : Collapse transaction XX/XX//2023 Collapse transaction XXXX XXXX PAYMENT Transaction date : XXXX/XXXX/2023 Card type : Visa Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$100.00} {$13000.00} Expand transaction XXXX/XXXX/2023 Expand transaction XXXX XXXX PAYMENT Type Payment - {$30.00} {$13000.00} ======================== I notice that the current balance has not been updated yet..resulting in an extra credit of {$130.00}. 

Current balance : {$13000.00} Amount over total credit line : {$0.00} Next closing date:XXXX/2023 Last payment date:04/07/2023 Last payment : {$110.00} Pay This Card Go to My Statements View your statements Statement balance : More about statement balance layer {$13000.00} Payment due date : Late Payment Warning : layer XXXX/XXXX/2023 Total minimum payment due : Total Minimum Payment Warning : layer {$0.00}
Product: Checking or savings account

On XX/XX/22 I deposited 2 XXXX XXXX money orders via the US Bank app. XXXX valued at {$66.00} and the other {$1000.00}. I received 2 emails on XX/XX/22 that both checks were accepted. Looking at my account, both checks were deposited, however {$1000.00} is missing. I called customer service on 2 occasions and was told only a branch manager can help me. I went to the branch in XXXX, Wi to speak with the branch manager who also had no idea why this was happening. After sitting with her while she tried to resolve the issue for over an hour, the only info we were given is the {$1000.00} is being held until XX/XX/22 due to the banks discretion. No more explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Discover do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call XXXX XXXX XXXX or chat with discover they said it is up to XXXX XXXX to update when i call XXXX  XXXX  they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXX and discover is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXX have me at XXXX-it stayed at XXXX for a few months when others updated monthly. Discover finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX Discover credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  XXXX for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.