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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXX XXXX  XXXX XXXX - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX/ XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not deleted these unknown inquiries-XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has not deleted these unknown inquires, XXXX XXXXXX/XX/XXXX Transunion has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid the full balance of {$110.00} on my credit card and closed the account, as we never use the account and were trying to pay off our minimal debt in preparation to buy a home. Nothing against Capital One, we were just getting our small amount of debt paid off and had no use for credit cards. 
We had no idea the account was never closed and not until we were looking to buy a home last month, did we discover there was a 60 day late on our credit report. I KNEW it had to be a mistake since we no longer have a Capital One credit card. 
To my surprise and shock, apparently the account was never closed and Capital One had applied an annual fee in XXXX to the account ( 7 MONTHS after we paid off and closed the account ) and started to report the account delinquent in XXXX and XXXX. Still having ZERO knowledge of this, Capital One apparently viewed the account as inactive and REVERSED the annual fee/charges and closed the account ( thank you ). However, the 60 day late remained on my credit. How can I have a negative payment history on a charge that doesnt exist? 
I truly believed this would be a simple and understandable correction to my credit report, as I clearly did not neglect to pay my credit card there had been ZERO usage or activity after my XX/XX/XXXX pay off and an UN-activated card that was apparently sent, and exceptional payment history proves that. 
But the representative said we needed to write this letter to dispute the 60 day late on my credit report. Please understand this is devastating to us, since we have always taken our finances and credit seriously as you can see from my credit report ( absolutely ZERO lates on ANY of my accounts ). We were good Capital One Customers and made timely payments, and tried to do the right thing and pay the balance in full, and close the account. Please help correct this error on my credit report. This is severely affecting my credit and jeopardizing our ability to get our home loan.
Product: Student loan

As a former student of the long gone for profit-XXXX XXXX XXXX XXXX XXXX , a branch of the now ENTIRELY CLOSED, XXXX XXXX systems , I personally held/hold damaging loans from this lender to attend this now closed school.And have in good faith, attempted to manage said loans Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at The XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools.

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 


Link to Senator Warrens Letter : XXXX XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Mortgage

In XX/XX/year>, at the behest of Bank of America we applied for a HELOC in the am't of {$35000.00} with an initial loan rate of XXXX percent for XXXX months rising to XXXX percent after that. The B of A over a recorded line promised us if we were turned down we would within XXXX hours receive a phone call from a senior XXXX ( their words ) who would help us get the favorable loan rate we were seeking. My husband has a forty year relationship with B of A and has never declared bankruptcy or had any other problems paying his loan obligations. B of A sent us a form rejection notice declining to provide the HELOC because we were ineligible for it. They never called us to arrange a loan at the promised am't and in fact the best they were prepared to offer us was a loan at about 30 % p.a. 

We went to considerable trouble obtaining all the financial information they requested, putting aside other pressing business over a two-week period. The only result that we got was a mysterious offer out of the blue from a company we never heard of for {$34000.00} but it required us to go through the same arduous process to get a loan and that would be at an unknown rate. 

Had the B of A not under false pretenses, and at their initiative ( we only applied after they sent the materials for the XXXX loan unsolicited ) importuned us to apply for this loanwe would have gotten a very good offer from a competitor by applying for a new credit card with that firm. B of A engaged in this abusive behavior we maintain because it is an outgrowth of the " annihilation by work '' culture at the bank documented in excruciating detail by the XXXX XXXX XXXX in their edition of XX/XX/year> in a signed article by XXXX XXXX. This article is online and shows that the annihilation by work ethic is deeply ingrained despite written policies forbidding it and has resulted in at least XXXX death of a highly compensated young investment banker and multiple cases of life threatening cases of exhaustion and nervous disorders. XXXX spoke to over XXXX dozen people either currently employed by the Company or formerly with it showing that the " annihilation by work '' culture is of long standing, probably affects other large banks and financial institutions, and is not confined to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have home loans that Freedom Mortgage has been serving. I have been paying on time monthly mortgage and despite that they have reported late payments to credit reporting agencies in 2023. I have provided all the payment history and bank statements and they still have not fix the incorrect reporting to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has viloated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

I received a Payday Loan from Amscot and was referred to Credit Counseling. I was handed a list of agencies by Amscot and decided on XXXX XXXX XXXX XXXX ( XXXX ) who I paid on time and in full. An emergency came up and I requested another loan from Amscot and was denied with a letter of Action Taken and statement of reason ; Other History of - Delinquent ( past ) or present credit obligations with us. I went to another Pay Day Loan agency on the same day and was denied for the same reason. As I am trying to maintain a favorable credit rating " this was upsetting ''. How can Amscot send me to credit counseling when they new that this action would negatvely affect my credit rating? I would have rather just stuck to the original terms set up by Amscot. I accepted credit counseling because the extended payment terms they offered were preferable to paying Amscot the full amount ( {$500.00} ) immediately. I had no idea that by accepting credit counseling it would negatively affect my credit rating.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Product: Debt collection

This debt collection company NCB has already been removed from other reporting bureau companies and should also be removed from XXXX. NCB is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.
Product: Debt collection

I just downloaded the XXXX app to help increase my credit score and upon so noticed I had 2 {$100.00} bills submitted to collections from the Hospital. I never received the bills and was never notified it was going to collections. I contacted collections and asked if I could make payments because I can not afford to pay the full amount and was informed that could not and that there are interest charges to these medical bills. I would like to dispute both debts on my collections since I was informed that by XX/XX/2023 agencies are going to remove medical debts from collections when the bills are {$500.00} or less. Please advise on what I can do.
Product: Credit card

Fraud balance transfer transactions were made on 5 different Bank of America credit card, out of which bank refunded 4 credit card ac but rejected 1 below fraud claim Last 4 Card no : XXXX Amount : {$6500.00} Date XX/XX/2023 I have filed police report by calling XXXX texas police department : the report number is XXXX Please help me get my money back. 

Thank you
Product: Student loan

When Navient was still a part of XXXX XXXX, I was right out of college. I had taken a job in a different city and had rent and utilities to pay. When I called to discuss my options, the only one given was forbearance. Not knowing any better and not being able to afford {$700.00} a month, this is what I went with. The velocity that the interest would accrue was not disclosed. Because of this, Im now stuck. After years of struggling Ive finally found a decent job. Getting a masters is vital for advancing my career, but I just cant do that right now. I fear I will never be free of this, all because I was not properly and responsibly advised. I like many other need help.
Product: Checking or savings account

Good afternoon, I been a customer 2004 with Netspend I filed two claims # XXXX and claim # XXXX for the amounts of {$4500.00} and {$3800.00} for fraudulent transactions from XXXX XXXX XXXX  on XX/XX/XXXX after trying to use my card to buy food it being declined. I never received anytime alert stating these transactions were made. When I called I was made aware of transactions and they were still pending and I tried to get agent to block and stated she couldnt. I have received correspondence of closure of my claim. I have never lived in those apartments I own my home so I pay mortgage. I would like my funds totaling {$8300.00} to be sent to me immediately. Trying to go thru customer service is a nightmare. When I get an agent its hard for them to verify me but finally got their today only to be told money is gone. How is that even possibly? XXXX out my account gone? I need my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$130.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

When I got to the Experian website, they request a mothly payment of a {$1.00} to generate a credit score and are reporting no credit score to credit inquiries.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX Balance : {$780.00} ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Amerassist AR Solutions and XXXX and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that Amerassist has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by Amerassist. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to Amerassist in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. Amerassist has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against Amerassist, XXXX, and XXXX for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX Credit/Flow XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XXXX XXXX  XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX
Product: Mortgage

On XX/XX/year> I received a text message from a XXXX XXXX who says he works with Cardinal Financial and he gave me an XXXX number to call. I called and completely forgot that my mortgage had been sold to another mortgage company that Im working with currently and trying to get my payments caught up. He was a scam artist cause I asked Cardinal Financial a few days later after paying over a {$1000.00} for what I thought was my mortgage. I did go to the bank and tell them that my card had been compromised. The bank tried helping me dispute it but they couldnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

If Experian, XXXX and XXXX all get their information from the same source and this account was disputed with all credit bureaus then XXXX and XXXX both removed the account due to it not reporting accurately, why is it that Experian is still reporting this account on my credit report? 
This XXXX XXXX XXXX account I have no knowledge of and it has been removed from my credit file by XXXX and XXXX after their investigation. However, Experian still reports this account to my credit file as if its actually accurate. I would like to know what solid evidence are they using in their investigation to decide that theyre not removing this inaccurate item.