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

The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I reported I didnt theft on my account XXXX failed to re-investigate and remove accounts that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Debt collection

I XXXX XXXX is taking time to submit a complaint against Wells Fargo Dealer Services as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. Wells Fargo Dealer Services has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by WFDS and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. WFDS is using a XXXX  accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with WFDS, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like WFDS, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX   immediately, and as a professional courtesy by WFDS, the entire account should be deleted off of my credit reports with XXXX, XXXX  and XXXX XXXX collectively. WFDS is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through WFDS internal self-insurance capacities.
Product: Mortgage

After XXXX years here in XXXX. I went home ( XXXX XXXX ) after I retired from United States Army to visit my XXXX XXXX XXXX brother and my uncles wife who was still alive and admitted in the hospital. After I came back I missed 1 month mortgage payments and on XX/XX/XXXX I received M & T Bank stating : Under the repayment plan, you must pay the regular monthly mortgage payment of {$2100.00}, along with an additional amount of approximately {$710.00} and XXXX of each months. The following payment schedule provides the specific repayment plan terms : Plan 1 Date : XX/XX/XXXX XXXX : $ {$2800.00} Paid Plan 2 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid Plan 3 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid After I paid the last payment plan 3 on XX/XX/XXXX they want me to pay {$2100.00} regular payment. I called the mortgage multiple times telling them Im retired 23 years XXXX  and XXXX vet so you know I get paid every end of the month therefore, you cant do this to me. I told them I also have bills to pay and also food, gas and I asked them these 3 plan payments should be able to cover one month missed payment. So the next payment should be XX/XX/XXXX or XX/XX/XXXX. Please HELP they are still calling me telling me Im behind one month payment. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted to the CFPB on XX/XX/2020 # XXXX EXPERIAN GAVE ME AS BASELESS EXCUSE AS TO I DIDN'T SUBMITT THIS ON MY OWN JUST SO THEY CAN SLOW DOWN THERE WORK LOAD THIS IS EXCACTLY WHY I AM SUBMITTING THIS TO THE CFPB. THIS IS NOW THE 3RD TIME AND I WANT MY CONCERNS ADDRESSES IN THIS LETTER ATTACHED. 

I HAVE RESEARCHED THE FCRA AND HAVE INCLUDED VERBAGE IN THE DISPUTE LETTER THEY NEED TO ABIDE BY
Product: Credit card

I have been a loyal XXXX store card owner of a synchrony bank card for a number of years. I have faithfully paid my accounts in full over these years. This past month in XXXX I had an issue with my bank where unbeknownst to me, the payments I made on my XXXX store card were being reversed for some reason, I called synchrony bank XXXX  ok XX/XX/XXXX and XX/XX/XXXX informing them of the error and I made the payment in full the same day of the second call on XX/XX/XXXX. It was literally a bank error that caused the XXXX reversals, I am so surprised to receive a letter in the mail today that my account has been closed and that my {$1800.00} in reward points that I had saved up have been forfeited! I am so disheartened. It seems like as I was talking to them and keeping them updated as a respectful person they were planning to close my account even after I paid my bill! It seems like a shady practice and have negatively impacted my XXXX XXXX. I attempted to call synchrony bank and XXXX my case, I spoke to XXXX XXXX in customer service and he simply said I can reapply but my points are forfeited. I really hope I am able to receive some kind of support to continue to be a synchrony bank consumer in the future in reopening my card and receiving my {$1800.00} rewards points on my XXXX prime store card.
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, Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 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: Mortgage

About a month ago, I contacted the company who holds my mortgage. I bought my house 2.5 years ago and inquired about removing the PMI insurance to bring my payment down. As instructed by them, I made an official inquiry in writing as to what my house would have to appraise for in order to have the insurance removed. After a few weeks I was told it had to appraise for {$250000.00}, but that I would have to pay for the appraisal. I was also told that they normally dont remove the PMI on a loan that is less than 5 years old unless home improvements have been done. I have put around {$20000.00} into the home since I bought it and I informed them of this. That is how they came up with the {$250000.00} figure. I asked again how much did we need to remove the ins. They again said $ XXXX. I told them to have an appraiser contact me. The appraisal was going to be around {$500.00}. An appraiser contacted me in a week and we scheduled the appraisal to be done a week after that. Happily, I found out the house appraised for $ XXXX. Two weeks later, Ditech contacted me and told me the house didnt appraise out for enough for them to remove the PMI. I told them what I had been told and I also told them that is why I ordered the appraisal. My realtor had already done the comparisons and I knew approx how much the house would appraise for. They said they saw in my file where I had been mistakenly told that we needed an appraisal of $ XXXX and they apologized for the mistake, but said they could not change the federal guidelines. I asked them if they were going to take responsibility for their mistake and pay for my appraisal. They said no. I asked to speak with a supervisor. She more or less told me the same. Said they would not cover the appraisal cost. I feel duped and stupid for believing their lies. I feel cheated. And mostly I am out {$500.00} for absolutely nothing. I am beyond livid. I am a single Mom who works very hard for my money and losing {$500.00} is a very big deal to me. 
Also ... several months ago I tried to apply some extra money to my principal. They informed me that they were unable to do this and that if I paid extra that it would be held and then applied to future payments. I would never have chosen this company for my loan, however about 6 months after buying my house I was informed that they were selling my loan to Ditech. I am mad and frustrated that these big corporations can pretty much do anything they want. Lie, cheat, take your money, and then take no responsibility for any of it. I dont know what to do now.
Product: Credit reporting or other personal consumer reports

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Account Name : [ XXXX XXXX XXXX  ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account Account Name : [ XXXX XXXX XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Innaccurate Account Account Name : [ XXXX ], Account Number : [ XXXX ], Issue : Unverified Account, Inaccurate Account I also know about the recent lawsuit between the CFPB and XXXX, where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, [ XXXX XXXX ]
Product: Student loan

I was contacted by this company, Fedloan Help , Inc and led to believe that I was going to be repaying my student loan debt and that I was going to be enrolled in the loan forgiveness program that forgives your loan after 10 years of payment. I have been making payments for the past year in the amount of {$72.00} and was under the impression that I was taking care of my loan directly. Recently I received emails from XXXX XXXX saying that I was in delinquency for failure to pay my loan balance. I was told that none of my payments for the past year were applied to my student loans and I was not enrolled in the loan forgiveness program. I believe I was falsely lead into paying a third party company and that they were deliberately deceiving me. I received monthly payment invoicing notices claiming that this was my courtesy student loan payment reminder which contributed to the deceit. I have paid the {$72.00} every month for the past year and paid a total of {$860.00}. Not only did this company enroll me on false pretenses, they also did n't inform me that I had to continue on my own every year to reinstate the payments. This has negatively impacted me, I do n't have the money to pay two separate companies for the same service and I was told my credit score could also be negatively impacted because I was considered delinquent on a loan.
Product: Consumer Loan

Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive and they did not comply with the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions caused significant inconvenience and financial loss. I seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and Experian about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report.

1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting

The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt buyer company, Midland Funding, bought an account from XXXX XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Product: Checking or savings account

Financial Services by Truist. Advertised a {$400.00} opening promotion for all new accounts. The account was opened online, selecting the option to participate in this promotion. After following all requirements ( deposit amount, number of transactions, etc ) I contacted support since I didn't not received the promised promotion, after talking to their representatives, XXXX  they let me know my deposit amount was not eligible due to enrolling to the promotion AFTER my deposit, which is erroneous because the enrolling happened when I opened the account online and I did not have an account prior to that to deposit the amount to. XXXX  after a long hold, they told me the deposit did not qualify because it was not a direct deposit, which it was not advertised in the promotion, only required a deposit of the starting amount of {$500.00}. The whole situation has been confusing and scammy from their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help