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

XXXX, XXXX, & Equifax are reporting inaccurate information the account listed as XXXX XXXX XXXX has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : Last Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is not.
Product: Credit card or prepaid card

I DID NOT DISPUTE ANY OF THESE ACCOUNT PLEASE RE-INSERT THOSE ACCOUNT, I'M BEGGING YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Product: Student loan

I have been on an Income Based Repayment plan. I sent in the renewal, and they MORE THAN DOUBLED MY PAYMENTS! I can't afford such a large increase in payments, even more strange it doesn't pass their own criteria for setting the payments. I think one problem with their IBR calculations might be that they only look at the income tax return and in my case ( probably many other 's as well ) I had the opportunity to work overtime last year and it would make it look like my income is higher than it really is. They should look at the paycheck instead, and base the payment only on the guaranteed income without the overtime, which comes and goes and is voluntary. So for example last year my guaranteed income was {$76000.00} but my tax return shows an income of around {$120000.00} so that is quite a difference. It doesn't look like there will be much overtime this year, so I really can't afford these new much higher payments.
Product: Credit card

1681o. Civil liability for negligent noncompliance 1681n. Civil liability for willful noncompliance This account is closed with a paid balance. This is falsely reported. 
Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$470.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Used mobile deposit on Saturday XX/XX/XXXX. I was notified Monday that my deposit would be delayed. They said it would be available after 5 business days from the deposit date. They said the deposit date was Monday the XXXX. They said the check flagged in their system. The amount the check was for was 50 % of what was owed so I collected the remaining balance and cash it at the bank where the check was from with no problem. This wait is causing severe problems for my family. 5 business days would be next Monday making it a total of 9 days after my mobile deposit. Navy federal has been borderline rude in helping me resolve this issue.
Product: Credit card or prepaid card

I paid my complete statement, of {$690.00}, 3 times. once on XX/XX/XXXX, and twice on XX/XX/XXXX. 
The repeated payment was due to rejected status - attachments to prove In the following month, I was notified that y account would be closed due to an excessive number of payments. I have received an electronic message with it but I can not access it anymore via the email sent, nor it is on my Message Center on my profile with the company I have asked the company to revoke this cancellation, stating that I was trying to pay and did so regularly - multiple times even before the due date. 

This cancellation has significantly impacted my credit score, which is already a struggle as a recent XXXX, trying to build up the score to buy a house and a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit and there is XXXX unauthorize inquiries on my credit reports with Experian, XXXX, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX. 2.XXXX XXXX.XX/XX/XXXX. 3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX  XX/XX/XXXX 11.XXXX XX/XX/XXXX
Product: Checking or savings account

As of XX/XX/2025 XXXX has with help deposit, and transfers. Today is now XX/XX/2025. Capital one sent out an email advising the issue you be resolved by the morning and it is now XXXX EST. I am now going to be hit with late fees from my utilities and mortgage car extra. I am now forced to fork up more money then I needed to and have. 3 days not a few hours or a day it is 3 days going on 4 half way through a week you can say!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received results from a dispute to verify the accuracy of the following accounts on my report. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXXXXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXXXXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX ( {$840.00} ) XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX. XXXX OF XXXX Account XXXX ( {$5100.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$7100.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$22000.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$2900.00} ) XXXX. XXXX XXXX  Account XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX The FCRA states the following : Section 1681e ( b ) ** of Title 15 of the United States Code ( 15 USC 1681e ), mandates that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The FCRA states the following : The following 2 accounts Remained with this explanation : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$22000.00} ) a. XX/XX/XXXX states 30 days late and XX/XX/XXXX jumps to 90 days late. This is inaccurate because one can not go from being 30 days late to 90 days late. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$2900.00} ) a. XX/XX/XXXX states 30 days late and XX/XX/XXXX jumps to 90 days late. This is inaccurate because one can not go from being 30 days late to 90 days late. 

The following 2 accounts were labeled verified and updated. 

XXXX. XXXX XXXX Account XXXX ( {$840.00} ) - In XX/XX/XXXX status shows ND and in XXXX status shows 60 days. You can not accurately calculate Date of First lat payment is there is no first late payment date showing XXXX. XXXXDEPT OF ED Account XXXX ( {$5100.00} ) - XXXX of XXXX shows CURRENT and XXXX of XXXX shows 90 days. Inaccurate! 

With these inaccuracies, I find it hard to believe that Experian followed reasonable procedures to assure maximum possible accuracy of the information concerning me on the report. If so, these inaccuracies would have been found since they are the professionals and experts. At this point their actions seem intentional and my ability to attain credit has greatly been impacted in a negative way. 

As a result, I want the 4 accounts I pointed out ( evidence enclosed ) to show pays as agrees/no missed payments until a reasonable investigation can be completed and my ability to attain credit wont be affected in a negative way.

Also, I want the other accounts listed to be removed due to the fact that Experian has shown that they have NOT performed a reasonable investigation to ensure maximum accuracy on the reporting of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans is reporting an erroneous late on my account. I recently checked my credit file and noticed this late. I made my payment on a weekend and they didn't process it until Monday. Reporting this late is absolutely absurd. My payment was available to them on XX/XX/2020, that is not late! I have tried contacting the company directly but can 't ever get through to them through the phone. I was not late and never have been late on my payments on this account. I need this late to be removed/fixed.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  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

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed.

I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Product: Vehicle loan or lease

The loan was for the purchase of a new travel trailer. I sold my existing travel trailer and wanted to apply a {$25000.00} principal payment to the loan. The only way to apply the payment is to prepay the loan installments. By not applying the proceeds to principal and only prepaying the installments, this only saves me a nominal amount of interest. If the bank allowed a payment of principal it would provide the benefit of a more rapid amortization and shorten the term of the loan. The bank only allows principal payments to be applied on Home Equity loans. This practice does not encourage good financial management and is a disadvantage to the consumer
Product: Money transfer, virtual currency, or money service

I didn't receive disclosure to recipients i didn't send money too
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous/Inaccurate Account : XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/XXXX XXXX : XXXX
Product: Debt collection

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by XXXX XXXX. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 a letter was sent to equifax to dispute and verify some accounts that i know are not mine. They have yet to even process my request and respond to my dispute. These things on my credit are hurting me financially and causing stress in my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 07/16/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Student loan

Consolidated loans in XXXX. Working for PSLF-qualifying employers since then. Reached 120 eligible payments in XX/XX/XXXX. 

Loans previously services by XXXX, transferred to Mohela in XX/XX/XXXX, with payment counts gradually updated to the account. As of XX/XX/XXXX, account reflected >120 eligible, 110 qualifying. I submitted my last ECF form on XX/XX/XXXX to certify the last 10 months of employment and apply for PSLF. On XX/XX/XXXX the form was processed, but my payment counts were not updated. I called Mohela customer service on XX/XX/XXXX and was informed that the form was processed and that my payment counts will update, but that it could take up to 30 days. She stated that I just need to " be patient '' and I will receive a letter when the payments are updated to reflect the form. On XX/XX/XXXX, I received a letter from Mohela stating that I am not eligible for PSLF. The letter stated that I had the same 110 qualifying payments. The same letter listed the end date for my current employer as XX/XX/XXXX, which is the date I submitted a prior ECF for this employer ( in other words, the XX/XX/XXXX form is still not reflected ). I called Mohela again XX/XX/XXXX and was told by the representative that the form was approved and had the correct dates, so my payments will update within the next few weeks and the loans will automatically be sent to Dept of Ed for loan discharge at that time. They stated that process will take an additional 90 business days before they get approval from Dept of Ed, then an additional 90 business days before the loans are fully forgiven and cleared from Mohela site. 

Today ( XX/XX/XXXX ) I logged in to the Mohela chat feature because I felt I should get this information in writing. This time I was connected to XXXX, who informed me that the XX/XX/XXXX ECF was actually NOT approved and that is why my payments are not showing as qualifying. She also stated " however I do not see anything wrong with the application '' and will submit the form to a supervisor for review, which will take up to 14 days to process. I asked how to follow up with the supervisors directly, and was told to wait and I will receive a notice when the review is complete. 

At this point, I have worked in public service and made income-based payments for over 10 years. I have been eligible for loan forgiveness for 5 months. I submitted appropriate documentation almost 3 full months ago to satisfy requirements for loan discharge. After taking 2 months just to process the form, they gave me false reassurance twice about the processed form that further delayed my application by an additional month ( 2 weeks since being processed with zero communication that the form was actually rejected until I logged into the chat today, an an additional 2 weeks for supervisor review ). Even the XX/XX/XXXX letter does not state that the XX/XX/XXXX form was rejected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I had an existing loan with TD Auto Finance ( account number : XXXX ) for a XXXX XXXX, which I traded in at the XXXX location on XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The XXXX representative assured me that they would send the remaining loan balance to TD Auto Finance to close out the loan account. I have been in communication with a XXXX representative named XXXX, who confirmed that the payment was overnighted to TD Auto Finance, and I am attaching the confirmation PDF, which shows that it was signed for by an individual named XXXX XXXX. 

Despite this, TD Auto Finance has continued to contact me about missed payments, and I have incurred additional fees due to what seems to be a delay or miscommunication in processing the payment. I have reached out to both TD Auto Finance and XXXX multiple times to resolve this issue, but I have not received a clear resolution, and my account remains in limbo. 

TD Auto has provided little empathy over this situation. The calls I have received have been curt.

I attempted to communicate with TD Customer Service and did not connect to the correct department. 

I am looking for TD Auto Finance to confirm if they signed for this check.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX account number ending in XXXX in the amount of {$990.00}, Reference number XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i called XXXX to unfreeze mycredit agent send id, XXXX XXXX XXXXXXXX i when to postaloffice and XXXX XXXX XXXX XXXX XXXX XXXX so that the documents be there ton XXXX i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXX agent it's lifted i called a company is with XXXX  to check it wasn't they call me back and it was still freezen to call XXXX back try it again XXXX the XXXX XXXX talk to XXXX told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX and XXXX XXXX back on your credit report XXXX call XXXX  ok thank you
Product: Credit reporting

I applied for a redcard credit card and I received a letter statement was not approved. I have excellent credit