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

XXXX XXXX continues to report inaccurate balances on my credit report. I have disputed this inaccurate information to all three credit bureaus when my current balance was inaccurately posted at $ XXXX, I have never had a loan with the company in that amount. My loan amount with XXXX was $ XXXX with a lower current balance. I have been making timely payments on this account since its origination. Now, XXXX has again reported an inaccurate current balance of $ XXXX on my credit report which has again negatively affected my XXXX XXXX. The correct current balance that XXXX has failed to accurately report to all three credit bureaus for the last few months is {$220000.00}. These inaccurate reports to the credit bureaus has consistently resulted in decreases in my XXXX XXXX without any full recovery once any form of adjustment was made. Its beginning to feel like fraudulent and targeted inaccurate reporting.
Product: Credit reporting

I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.
Product: Mortgage

We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX, Equifax and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Inquiries appearing on all three Credit Reports. 


XXXX XXXX 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 have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.
Product: Debt collection

I received a Lemon car from XXXX, which I voluntarily surrendered due to a lawsuit that was in progress against XXXX. I returned the car to them and was told this would not go on my credit. I DO NOT have a contract with NCB.
Product: Checking or savings account

I gave my personal details to someone posing as a lotto prize agent the scammer ask me for my bank details and my debit card photograph front and back. When I realized that I was scammed I took the debit card to the local branch Also the mobile number that Was enter in my application was incorrect. 
And I have since relocated. I was not able to update my information because of the instability of the account. 
I have forgotten my pasword and all my effort to get the account unlocked has proved futile. It seem further and further away for this reason. 
I determined that I don't need this account Because of the mental and emotional and anxiety over the process to get access to my login details I decided to close the account Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
XXXX : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

Equifax : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
Product: Vehicle loan or lease

On XX/XX/2022 I received a notification from my XXXX Credit Report that I have a new auto loan through CAPITAL ONE AUTO FINAN. On XX/XX/2022 I sent CAPITAL ONE AUTO FINAN a debt validation letter in which in that letter I gave CAPITAL ONE AUTO FINAN 30 days to reply or validate the debt. In which they never did, it's XX/XX/2022 and they still haven't replied. On XX/XX/2022 I received another notification on XXXX XXXX stating that a change has been found with CAPITAL ONE AUTO FINAN account in which it stated that it was a late payment. Keep in mind that I received another notification from XXXX XXXX on XX/XX/2022 in which it states that I have paid off 15 % of my auto loan. Now in XXXX, XXXX, and XXXX it wasn't reporting anything then all of a sudden on XX/XX/2022 CAPITAL ONE AUTO FINAN started reporting falsely. In the Fair Debt Collection Practices 15 U.S.C. 1692 ( g ) ( b ) Disputed Debts says if the consumer notifies the debt collector in writing within the 30 day period described in this subsection ( a ) debt or portion of therefore, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or, any disputed portion therefore until the debt collector obtains verification of the debt or a copy of a judgement, or the name of the original creditor and address. See XXXX XXXX XXXX XXXX XXXX. Now I thought that this was what was going on in XXXX, XXXX, XXXX. Now all of a sudden CAPITAL ONE AUTO FINAN on XX/XX/XXXX, started reporting on my Credit Report without them validating the debt. It's a violation for a Financial Institution to falsely report on my Credit Report knowing that it contains a billing error. This is also violation of XXXX5 U.S.C. 6821 ( a ) # 2. How is it that these Corporations can do this and knowing know that they are reporting falsely? In my XXXX Credit Report in my account details it states in the remarks Dispute resolved; reported it by grantor. Now I don't know why CAPITAL ONE AUTO FINAN would falsely report this however this is defamation to my character and it's a violation of my rights as a Natural living human being and a consumer.
Product: Credit reporting or other personal consumer reports

There is a discrepancy among all 3 credit bureaus. Your company is in violation of the Fair Debt Collection Practices Act section 809. XXXX and XXXX are not reporting the late payment for XX/XX/year> on my credit report. XXXX is the only credit bureau showing the late payment. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, under Section 4021 of the CARES Act, due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have 1 late payment on my report for XX/XX/year> that I want updated as Ok or paid as agreed because, I was a victim of covid 19 and legally you should not have put the late payment on my credit report. 

This relief period applies starting from XX/XX/year>, until the latter of 120 days after the enactment of the CARES Act on XX/XX/year>, or 120 days after the end of the national state of emergency ; therefore, furnishers that entered into accommodations related to the COVID-19 pandemic on or after XX/XX/year>, should consider whether to treat it as applying since XX/XX/year>, and change existing reporting to comply with Section 4021. Note- I am XXXX XXXX a natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00}
Product: Consumer Loan

I purchased a XXXX Ford Expedition from XXXX several years ago and the vehicle was transferred over to Santander who served as the creditor. In XXXX the vehicle was paid off in XXXX ; with late fees being owed on the account. When the vehicle was paid off, Santander agreed to reduce some of the late fees and to establish a separate loan to pay off the late charges. As my wife and I was paying off the late charges, we noticed that the late charges were never reduced, so when we contacted Santander 's Office of the President to address our concerns, the representative reviewed the account and confirmed that the late fees were not reduced and that payment will need to be made in full. There was know attempt to remedy the situation or ot reach an agreement. A few months later, I checked my credit report and noticed that a charge off ( XXXX/XXXX/XXXX ) was placed on my credit report. Santander has not provided me with a title to this vehicle. The charge off has negatively impacted my credit standings. XXXX has failed to conduct an adequate investigation on my auto loan account ( in accordance with FCRA requirements and CFPB Bulletin XXXX ) and has been unfair, deceptive/abusive in their treatment towards providing me service ; which violates UDAAP under the Dodge Frank Act.
Product: Debt collection

Debt Collectors have been calling me frequently since late XXXX. My estimated debt is XXXX. Lately Ive been called right after XXXX am approximately 4-5 times a week.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX BANK XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : - XXXX BANK XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX Filed on XX/XX/2021 Reference number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear XXXX, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for validation of debt for the attached accounts. I have not been provided the original contracts nor any document stating these account are mine and should have been sold.
Product: Checking or savings account

So my truist checking acct was in the negative and they just kept charging me to were now I owe them XXXX. 
Im sorry but if my account was in the negative what makes you think charging me is going to make me be able to afford it better. 
A XXXX check was deposited in there and they happily took that which tells me its still not closed. 
I cant afford this right now at all and I was just trying to make my credit better. 
Im sorry but there should be a cap on how much they could charge in fees and at some point close the acct I havent used this acct in over 6 months but like I said when a check accidentally got direct deposited in there they quickly snapped that up. 
I literally live pay check to pay check Im not trying to screw anyone out of something there owed. 
If there is anyway you can help me please I would appreciate it Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I disupted the following items on all 3 of my consumer credit reports through Experian, Equifax & Transunion. The results came back and for 2 of the 3 disputes ( both XXXX XXXX XXXX ) the reasoning stated : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' The third dispute ( XXXX XXXX XXXX ) reason stated : " 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 '' There was absolutely no investigation into my disputes. they just took the words of the debt collectors whoim are known to lie so they don't lose money. My disputes were valid and I gave proof of AZ statute of limitations being past. Also, XXXX XXXX XXXX update the " Date Opened '' dates for some reason and made them newer which means these items will not come off my report for additonal more years than originally stated by the credit bureau. 

This is unacceptable and shady. I want an investigation into my disputes and these items removed from my reports ASAP. 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} Date Opened : XX/XX/XXXX Why did the date opened change? 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$2900.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

Regions Bank is charging me for pending transactions. As of Tuesday ( XX/XX/19 ) morning, I started the day with {$4.00}??. After using the card throughout the day I needed to deposit {$32.00}??. I deposited {$20.00} before XXXX and then at approximately XXXX I deposited {$13.00}. Now, Wednesday XXXX XX/XX/19 XXXX, my account is overdrawn by {$71.00}?? because of {$72.00} in Overdraft Fees for all of Tuesdays pending transactions. I have contacted them regarding this and they refuse to refund the {$72.00}. I spoke with three people, including a supervisor. I was told that Regions charges for pending transactions. How can a bank charge for pending transactions. A person can not even dispute a pending transaction until it finalizes. What if the merchant were to credit the consumer? Regions is stealing money!!! I have all of my text alerts, printouts and ATM receipts to prove everything regarding the account activity. This is going to cause more overdraft fees when the transactions actually finalize.
Product: Student loan

American Education Services of XXXX, PA had been servicing my private student loan until I paid it off in full in XXXX of 2015. This loan was paid off many years ahead of schedule, I never missed a payment, nor was I ever late with a payment throughout the entire history of this loan. I know this as fact since I am in the military and my payments were made through my financial institution before the loan was paid and closed out. I have monthly bank statements to prove all of my payments were made in full and on time. After producing a payoff amount of over {$62000.00} which is over twice the amount of the original loan, I noticed the loan was never reported as paid in full to the XXXX major credit bureaus ; however, a missed payment of 30 days was showing on XXXX credit bureau files, and a 30 - 60 days past due payment was showing on the third file crippling my personal credit rating. Needless to say, the impact this has had on my credit, and my ability to obtain a mortgage has been devastating. To make matters worse, every attempt I have made to contact AES and discuss this issue with them they refuse to acknowledge the error, nor would they correct their mistake after I submitted supporting documentation. With no other alternative, I contacted all three major credit bureaus : XXXX, XXXX, and XXXX. Each bureau contacted American Education Services on my behalf and attempted to resolve this issue, none of the agencies were able to gain any cooperation from AES. Each credit reporting agency told me they were powerless unless American Education Services directed them to make a change to my credit file which AES stubbornly would not do. AES would not speak with me and the credit reporting agencies on a conference call. AES stated it was against their policy to go on the record regarding such matters. ( I have spent my entire life protecting their 's, yet they think nothing of ruining mine and my financial records due to negligence ) XXXX reported the account as late right along, ( which is false ) then after it was paid off they reported it as open and current, then AES came back to them and instructed them to change the status to closed BUT was 60 not 30 days past due! Although this information is completely false and all after the fact XXXX did exactly what AES had instructed them to do. ( probably because AES pays them a fee ) I have not been able to right this wrong through the channels I have followed thus far. The credit agencies XXXX and XXXX also refuse to change the status of this account as paid in full without delinquincies because American Education Services is calling the shots since they are the paying customer regardless of the consumer 's rights under the law. I am hoping the CFPB will work with me to cause AES, and all XXXX major credit reporting agencies XXXX, XXXX and XXXX to enforce the law and protect my rights as a consumer. Thank you.
Product: Mortgage

My loan was recently transferred from XXXX XXXX  to carrington mortgage. Yesterday i made my first payment to carrington. They  charge a {$5.00} fee to pay online, and {$10.00} to pay by phone. XXXX did not charge me to make mortgage payments online. Can carrington legally do this? Their services and reputation are apparently sub par to XXXX. I feel like I'm being punished by having had my mortgage transferred. Carrington was not helpful in their online chat nor on the phone, after approx 30 minutes of hold time to reach them.
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX