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

This account has reached the required statute of limitations according to the state in Which I Reside, XXXX. This account has been reporting on my credit file for over the allowed time limit ; XXXX years. I have requested for this account to have been removed previously as it is affecting my ability to gain credit. This account has been paid off in full now for over XXXX years. I have attached a copy of the payment record for the aforementioned account reflecting that the last payment received for this account was in fact on XXXX which resulted in the account being paid in full. However, instead of deleting the account the credit bureaus are illegally updating the Date reported. I am requesting that this account be removed from my credit report as the credit reporting agencies are illegally reporting it after the statute of limitations have been reached.
Product: Checking or savings account

XXXX called me claiming to be my bank saying they noticed suspicious activities and wanted to verify if the charges were legit. I verified the charges were fraudulent and then also told me someone recently added a new phone number linked to my account. I verified that no new numbers are authorized so he said my online banking was comprised. He said he canceled my debit card and was going to expedite a new one to my house and that he needed my DOB for security purposes to reset my online banking. I told him I was not comfortable with that and he instructed me to hang up and call the number on the back of my card. When I called my bank, they let me know nothing was suspicious with my account and the XXXX fraudulent charges the original caller listed were not there and that my card was still active. I logged on to my online banking and everything was just fine. My bank informed me that it sounded like phishing. I gave them the number that called me and they put it in my file. At this point it seems everything is as it should be.
Product: Vehicle loan or lease

I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and FRD MOTOR CR with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

. 


Summit A R On XX/XX/year>, I rented a car through XXXX rentals, I was a platinum member renting cars by the week and month. 

Well I returned the car and I got an email a week later stating they had to replace the tire because the tire was flat. How could I of driven there with a flat tire? And the guy who checked me in said everything was good to go. Well in XXXX they email me saying the damage which was {$200.00} for the tire. I called the lady who checked me out and told me not to worry about it. On XX/XX/year>, I became incompassitated for a few years with no access or ability to do anything. I'm finally cognitive able and free to roam around and here I look at my credit score with this. 

I tried contacting XXXX and they told me that there's nothing they could do because they tried contacting me. What a scam, I spent over {$10000.00} in the year 2020 with XXXX as a platinum member and they accuse me of a flat tire. How would the tire get flat anyways? Did I sneak in after hours and deflate it? I don't think so. I have two bachelor 's degrees and a bit more common sense then the next guy. 

SUMMIT A R, told me they wouldn't remove this and to contact XXXX who tell me to contact Summit, it's just a game to them. I have reported everything and everyone on XXXX consumer reviews and on here. 

They didn't care of I was incompassitated nor wondered why my phone was shut off due to this event. I can prove everything as well.
Product: Money transfer, virtual currency, or money service

Fraudulent activity what's going on on my Cell account I tried to talk to them regarding the matter instead of helping me pay close my account where I could no longer get into it. I had to fix that by speaking to someone there and they still did not help.
Product: Credit reporting or other personal consumer reports

account ending in XXXX navy federal was not deleted after the original creditor navy federal requested in 2020 this account be deleted from XXXX, XXXX, and XXXX.
Product: Student loan

I had a federal loan serviced by Mohela. I refinanced through XXXX ( also serviced by Mohela ) in XX/XX/year>, and the payment made by XXXX to my federal loan was more than the loan amount by about {$9000.00} due to the timing and my payments made in the interim. 

I had a negative loan balance on my federal loan mohela account ( meaning they owed me money ), and sent several secure messages, and was assured the money would be refunded to me but it would take time. 

I called the federal loan serviced mohela today, and they stated that the refinance overpayment was returned to the private loan company in its original payment form in the amount of {$9500.00}, on XX/XX/year>. They were unable to provide me a check number or transaction number. 

I then called sofi mohela, and inquired about why it was never applied to my loan balance. They reported that they have no information about this but would look into it. 

I do not have documentation of it, but I checked my federal loan mohela balance several times after the refinance, and it showed a negative balance ( about - {$9000.00} ) up to the time when federal loan mohela changed to a new student loan servicing platform in the last month or so. 

I'm not sure who is at fault : either " federal loan '' mohela did not refund the money appropriately, or " XXXX '' mohela did not apply it to my loan balance when recieved.
Product: Mortgage

NationStar DBA Mr Cooper ( loan number XXXX ) has held many monthly payments in suspense ( at roughly {$7000.00} at this point ) and had not applied these payments to the principle/loan. They attempted to remove a XXXX XXXX  stay to begin foreclosure. Additional monies were paid and still not applied to principle and they just sent someone to photograph our home. We are concerned that they are attempting to illegally foreclose when there is approximately {$2000.00} over what we owe at this point. We want our payments applied and with each attempt to do so with a customer service agent, it is referred to another department but not applied.
Product: Student loan

I had a Federal Loan being serviced thru Navient.. I clicked on a link on my payment page offering a lower interest rate and a 5 year repayment.. I thought I was just getting a better rate on my loan -- Turns out my loan is now thru NaviRefi -- I had no clue this was a private loan company -- Now i lost all my federal benefits on my student loan. They basically made their site look like i was just getting a lower federal rate on my loan. They basically scam people into taking their private loans and hiding the details on very hard to see fine print.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have an auto loan through Credit Acceptance Corporation for our XXXX XXXX XXXX. We took this auto loan out in XXXX of XXXX and ALWAYS made timely payments without fail, with payments being automatically deducted from our bank account on a bi-weekly basis. In early XXXX of XXXX, my husband and I were both furloughed from our jobs due to the COVID-19 pandemic. Therefore, we were unable to make our payments through NO fault of our own. I immediately contacted Credit Acceptance and explained the situation and they said that we should put our payments on pause until we were able to return to our jobs. The very first concern that I brought up was about our credit reporting. My husband and I have worked EXTREMELY, EXTERMELY hard over the last two years to bring our credit scores up to where they need to be to build our dream home. I was assured by Credit Acceptance that this would NOT harm our credit scores because it would be reported that we were affected by a natural disaster/pandemic and that all credit reporting for any payments that we would miss as a result of this pandemic would be FROZEN so as to NOT harm all of the hard work we have put into improving our scores. Long story short, we put our payments on pause for a few months until we finally went back to work. We have been making on-time payments ever since then, with even a little bit extra added on top of our normal payment amount. Fast forward to this morning, XX/XX/XXXX, my husband and I both received email alerts from XXXX stating that our XXXX scores had decreased and a new late payment had been reported. Having no idea what this could possibly from as we pay ALL of our bills on time and being extremely distraught by this alert, we logged into our credit bureaus and immediately saw that Credit Acceptance had reported us as 180 days late. This is NOT, I repeat NOT accurate. Our credit reporting was to be FROZEN for those missed payments last year because of the pandemic and we have made EVERY SINGLE PAYMENT IN A TIMELY MANNER WITHOUT FAIL SINCE THEM. Now, our credit scores have dropped nearly 20 points as a result of this, RIGHT when we were about to obtain a mortgage for our new home, effectively HALTING our home purchase plans, all because of these fraudulent predators at Credit Acceptance. My husband and I have been EXTREMELY diligent about our payments and ensuring that our good credit remains intact, and now these people have illegally gone back on their word, after making as feel as though we could actually trust them to help us during this pandemic, which had a huge impact on our lives last year. They have DESTROYED our good credit. NO LATE PAYMENTS SHOULD HAVE EVER BEEN REPORTED to our credit bureaus. We will also be consulting our attorney about this. What these people have done is ILLEGAL and DISHONEST and we need our 3 credit reports corrected IMMEDIATELY.
Product: Credit card

On XX/XX/XXXX, I submitted complaint XXXX. I am now filing a new complaint to follow up on the same matter given that Banana Republic Rewards MASTERCARD - BARCLAYS has NOT adjusted the OVERCHARGE. It sent a letter with an opaque and unsatisfactory explanation. A merchant charged and provided a receipt for a particular amount and Mastercard Barclays is charging {$280.00} in excess of such charge with no explanation. In addition, Mastercard Barclays is charging {$410.00} as an additional foreign transaction fee. The communication of such excessive charge is far from clear or evident in its credit card agreement. In Mastercard Barclays ' last letter dated XX/XX/XXXX, it provides a contact number should one have questions. I have called this number, and unfortunately no person answers. I have left messages and am awaiting a response. I fear that I will receive more of the same type of opaque response. I have been following up on this matter since XXXX XXXX, XXXX. The institution makes it very hard for a client to resolve a dispute. I can not help but ask what is its true intention! PLEASE HELP. Thank you, XXXX XXXX XXXX
Product: Debt collection

A civil suit is being filed on a XXXX XXXX XXXX debt. I first heard of this via my roommate on XXXX XXXX.They didn't contact me, by either address or phone but called my roommate leaving personal information about this debt which I have no knowledge of. I call back the number left on roommates phone and it's a lawyers office in XXXX XXXX ca saying they tried to contact me at an old address and my current address but nothing ever came here. I explain I don't know what they're talking about and ask for documentation for this so called debt. She tells me it's like a criminal complaint and they don't have to tell me anything. They are hired by there client who they won't tell me who that is and all I got as far as info was the debt was originally from u.s .bank in 2006 and was sold to a debt collector. I don't know what there talking about and I've received nothing in writing so I don't know where to send a dispute or how I'm suppose to find out a court date...
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom account has never been late but XXXX is reporting it late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my THE HOME DEPOT/CBNA account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I had a cash app with about {$3000.00} in it and cash app one day wouldnt let me login so I tried making another account and it was automatically closed so I shot out to support they said I violated terms and condition I said no I didn't I need my money in my account they said no you anit getting it back I said that's my money they didn't want to give me any reason why so they con me out of {$3000.00} and I can open or use cash app when I didn't do nothing it was XX/XX/year> ever since then I can't use or get my money back that was in that account it wasn't cool at all how they did me like that when I did nothing wrong
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute my student loan obligation due to a serious breach of my personal financial information. My private data has been compromised without my authorization, which constitutes a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA is designed to protect the confidentiality of student records, and your failure to uphold these protections has placed my personal and financial security at significant risk.

Given the severity of this breach, I no longer have confidence in your ability to safeguard my sensitive information. As a direct result of this violation, I do not feel comfortable making any further payments toward this debt. The failure to protect my information is not only a legal violation but also a breach of trust that has caused me undue harm and distress.

Therefore, I am demanding that my student loan debt be canceled and fully discharged immediately. Should you fail to take corrective action, I am prepared to escalate this matter through legal channels, including filing formal complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies.

I expect a written response within [ reasonable timeframe, e.g., 30 days ] addressing my demand. If you require any further information regarding this matter, you may contact me in writing at the address provided above.
Product: Credit reporting 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 after reviewing My TransUnion credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my Equifax credit report for my XXXX XXXXXXXX XXXX account ( Account Number : XXXX ). The reported 30-day late payment is incorrect, as I have consistently made on-time payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am exercising my legal right to dispute inaccurate information on my credit report and request an investigation into this matter. Under this federal statute, credit reporting agencies and data furnishers are legally obligated to conduct a reasonable investigation within 30 days and remove or correct any information found to be inaccurate, incomplete, or unverifiable. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits furnishers of credit information from reporting information they know or have reasonable cause to believe is inaccurate. Since I have provided sufficient evidence proving the inaccuracy, Equifax and XXXX XXXX XXXX must immediately correct or delete this misinformation to remain compliant with the law. 

Supporting Evidence To support my claim, I have attached the following documents : Copy of my Drivers License and Passport Verifying my identity. 

Legal Request for Immediate Action In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I formally request that this inaccurate late payment be removed from my credit report, as it is causing unjust harm to my creditworthiness. 

Additionally, per 15 U.S.C. 1681i ( d ), I demand that Equifax provide me with the name, address, and phone number of any entity that has accessed or reviewed my credit report in relation to this disputed information. 

If this dispute is not fully investigated and corrected within the 30-day period, I am prepared to escalate this matter further, including but not limited to : Initiating legal action under FCRA for willful noncompliance Seeking damages for credit harm under 15 U.S.C. 1681n and 1681o Request for Written Confirmation Please provide me with written confirmation once this dispute has been resolved and the inaccurate information has been deleted. If XXXX XXXXXXXX XXXX or Equifax chooses not to correct this error, I demand a detailed explanation of their findings, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Should you require any further information, please contact me using the details provided above. 

Sincerely, XXXX XXXX Attachments : Copy of Drivers License Copy of Passport Credit Report Screenshot of late payment being reported on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX l, XXXX LexisNexis sent me three letters one XXXX another to XXXX XXXX and lastly to XXXX all the letter states that the information that I dispute it was removed but yet these three companies still fail to remove them in. LexisNexis stated that they sent the information to the reporting companies and everything should be removed. The three companies are still reporting the in accurate information and which is supposed to been removed according to LexisNexis. Please see attachments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking 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 Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days :
Product: Checking or savings account

On XX/XX/XXXX there were XXXX XXXX payments pending in my account. When I saw this and I had not approved the transactions, I immediately contacted Chase fraud division to report it. I asked that the payments not be sent. I was told by the fraud division to close the account, open a new one, and they would investigate. The temporarily place the funds back in my account. 
The next day the two payments, each for {$5000.00} was paid from the new account. I again called the fraud division, and they said they were investigating it. They then placed an email on my account page that the case was closed. 
I investigated the access and found that from XXXX M to XXXX AM on XX/XX/XXXX, there were multiple attempts to sign into my account. At XXXX AM, the XXXX debits were requested and made. Neither I nor any family member approved these transfers. 
Further investigation led to the IP address coming from XXXXXXXX XXXX  I know of none there and have never been there. The fraud division said it was the same IP address used in the past by me. This can not be true. I believe the bank was in error in making the payment and not investigating properly and returning my funds.