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

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX XXXX XXXX 

My name should also read XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and employer : U.S. Small Business Administration . 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX XXXX  on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law.  

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.
Product: Student loan

I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. 

Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. 

I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.
Product: Mortgage

I work for a title company. We ordered a payoff from Round Point Mortgage. We got the payoff, which was good through XXXX/XXXX/16. On XXXX XXXX, 2016 we wired the funds to Round Point per their wire instructions to payoff the loan in full. We have full confirmation that the wire was sent and I have verified the wire information given to me by Round Point. Round Point has not credited the account with the payoff, they are continuing to collect payments and charge interest on the loan. The Borrower and I have spent over 8 hours on the phone with them just to be put on hold and then cut off. They are not helping to resolve this issue. Even though we have given them copies of the wire confirmation, the payoff statement, our bank account statement they are still saying that they did not receive the payment. I have also spoken to a supervisor and he is at least a little more helpful, but not solving the problem. The borrow refinanced this loan, and has his first payment coming due on XXXX XXXX, and because Round Point will not resolve this issue in a timely fashion, he does not have the funds to make the first payment
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate late payment reported on my credit report for the following account : I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using XXXX XXXX XXXX XXXX and XXXX, and I request your assistance in ensuring this error is corrected. 

Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 my direct express card was locked. Upon calling them i was informed my account is locked due to fraudulent charges and they could not give me any information as to why it was locked. Ive called back sat on hold everyday the last 6 days for 2-3 hrs for np one to have answers. There is nothing fraudulent on my account the right amount of money was deposited and they will not release my government money nor will direct express provide me with any information about my account nor the person/people Ive spoke to. Direct express employees refuse to provide me with any proof of who they are and why they are not allowing me to access my money
Product: Debt collection

LVNV has sued myself for a debt 13 years past the statue of limitations. In XX/XX/2020 XXXX county awarded them settlement, I did not pay attention to the mailing of this happening. I have spoken to them about this and they want to go to court for their violations of the FDCPA. So Im hiring a lawyer to represent me on this matter. In addition Im filing complaints for their unlawful acts.
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, Account name : # XXXX,, has violated my rights. 

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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as XXXX XXXX XXXX. 

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX XXXX XXXX, XXXX, Experian and XXXX by reporting late payments on my monthly consumer credit report. XXXX XXXX XXXX XXXX and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information.

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information.

Thank you for your prompt attention to this matter
Product: Checking or savings account

I have previously submitted 5 complaints to the CFPB about Wells Fargo Bank. My identity theft caused by Wells Fargo. Deceptive, misleading, and untruthful statements by Wells Fargo. My ongoing investigation has now been moved to the end of XXXX. I have investigator number 15. The has been zero resolution to my case. I have not seen my money returned. Wells Fargo is not helping me. I have never heard back from anyone as to what I should do now. As I researched my problems with Wells Fargo. I see there are 1000s of people experiencing the same issues as me. What am I supposed to do to get this fixed. My emails are still hacked i don't even know if anyone is trying to help me. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Formal Compliant Against Nelnet, XXXX, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor Nelnet, and the three credit bureaus XXXX, XXXX and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. Nelnet was sent a certified letter on XXXX, and it was received on XX/XX/XXXX and signed by a Nelnet employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX and delivered on XX/XX/XXXX and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Product: Debt collection

I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.
Product: Credit card or prepaid card

Bank of America does not answer the phone and will not let someone cancel their account online. Therefore, they appear to deliberately make it nearly impossible to cancel, therefore forcing the customer to retain their card and continue paying fees. I called the customer service number twice and each time when prompted stated I have canceling my card and each time I was placed on hold for 30 minutes. Bank of America will NOT permit me to speak to any customer service representative other than this special cancellation line, and they apparently can not answer as they are arguing/misleading other customers in terms of keeping their accounts. I demand to close my account and Bank of America refuses to let me do this.
Product: Credit reporting or other personal consumer reports

I found Santander Consumer U, on my credit report. I have never purchased a vehicle from this company. I am a victim of identity theft.
Product: Mortgage

I went thru the forbearance program and I wasn't offered any solutions to make payments only option I was given was a short sale. I received a letter to pay full past due balance and I never can speak to anyone about tbs and I made it clear I was it trying to sale my home then the letter I received stated I made XXXX gross a month which is not correct. I have been with US Bank for XXXX years
Product: Credit reporting

I went online to see if I could get a loan on a car. in the process it came up that they wanted to get a free credit report which I agreed to. The next thing I know is trans Union has charged me a dollar in my checking account and then about a week later I see charges from Trans Union in my checking account for {$19.00}. I did not authorize these charges and was made to believe the credit report was free. Trans Union has agreed to reimburse my {$19.00} back but I would like to also get my {$1.00} back also. I would also like Trans Union to stop the practice of offering free credit reports when in fact they plan on charging you for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XXXX of this year, I notice on my credit reports Fifth Third reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and Fifth Third was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted Fifth Third Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
Product: Credit reporting or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : 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

Hello I am reporting the inaccuracies on my credit report that causing me to run into issues. Lloyd & McDaniel , PLC Is shown to charge off an auto loan in XXXX of XXXX. Recently I pulled my credit report while car shopping and it states that its been Charged off for consecutive months leading up to the last update being XXXX of XXXX which is pushing back the statue of limitations causing debt to continue with an account thats been consider loss. US Code is 15 U.S.C. 1681e. This code is part of the Fair Credit Reporting Act ( FCRA ), which governs how credit reporting agencies ( CRAs ) access and handle consumer credit reports. The FCRA promotes accuracy, fairness, and privacy of personal information which the Creditor is providing inaccuracy information. Once the account was consider Charged off I did not receive an 1099c form which I requested from the creditor thats located at XXXX XXXX XXXX XXXX XXXX Post Office Box XXXX XXXX, KY XXXX - XXXX phone number : ( XXXX ) XXXX I also reached out to XXXX XXXX regarding the situation because on my credit report it states that theyre the creditors whos currently updating inaccurate information on my report but when sending over an email they responded that they would not contact me on my new email it would have to be the email that was associated with the account, unfortunately I no longer have access to that account. I called early morning of XXXX XXXX at XXXX and they informed me that they can not update my new email which is them cutting communications with the issues and damages I am currently facing because of the inaccuracies on my credit report. When making that call to XXXX XXXX thats when I was informed that a debt collection agency has my account but on my credit report it states XXXX XXXX. 
Thank you for understanding and I would hope this is fixed ASAP
Product: Mortgage

Details and screenshots of evidence are in the attached documents. ( emails to SunTrust with clear description of the problem and requests ) In short : A $ XXXX payment to get up to date on payments after my forbearance period ended in XXXX was not appropriately applied. 
As result, my balance did not show correctly. Several attempts to have this corrected went unanswered. 
After many long calls, changes were made to my account, however resulting in wrong payment applications again. 
SunTrust claims I did not pay my XXXX payment, even though it shows paid in time in full on their own systems ( online account ) and has been deducted from my bank. 
So I had to pay XXXX twice. This $ XXXX payment has not been fully applied to my account Several requests, in writing, have been ignored. They are not making any efforts to truly resolve this. 
Many other smaller issues in addition, but this is a summary. 
I have records of every account statement, email sent, phone calls and errors made by SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud alert was added to my report without my knowledge. I would like this removed. Please confirm removal.
Product: Debt collection

In XXXX XXXX XXXX I contacted XXXX about pricing their services. The representative offered me a XXXX week trial for a {$100.00} deposit and stated if I don't like the services I can cancel at any time and I will receive a refund before the XXXX weeks were up. I called them XXXX XXXX  after having the service to cancel it. The representative I spoke with, told me, that I don't have an account with them but I can't receive a refund for my deposit until they speak with the representative who gave me the trial. I called them for months to get my money back, and they refused to give me my money. They told me they were going to listen to the recording per my request and still refused to give me a refund. I contacted my bank XXXX to dispute the charges which they did their investigation in which I received my money back. After the dispute claim, XXXX, started calling me to offer me their services which I declined after months of agony trying rectify the issue about the trial. Now, today, I received a debt collection letter, stating I owe them {$400.00} when I never had an account with them. I don't understand how a XXXX XXXX trail turns into {$400.00} when I canceled the trail after XXXX XXXX of trying it out. I have phone records, that shows how many times I contacted this about my refund. XXXX never contacted me until after XXXX dispute the charges and refunded me my money. I have never received XXXX bill that was not addressed to me because I didn't have an account ; but now i am receiving a letter from Sequium Asset Solution which is a debt collection company.
Product: Credit reporting or other personal consumer reports

I paid my Destiny mastercard off in XXXX of 2024. This company continues to report a balance owed which is detrimental to my credit and reputation. I have repeatedly contacted them directly and also disputed through the credit bureau. They refuse to correct the information and I have given well over 30 days at this point. This is a violation of my consumer rights and the FCRA. I demand they delete the tradeline from my report immediately. If not, I plan to file a lawsuit against this creditor and the credit bureaus for violating federal law for inaccurate reporting.