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

I am writing to formally request your assistance in addressing and correcting inaccuracies on my credit report. These discrepancies persist despite my attempts to resolve them with the credit reporting agencies ( CRAs ) and creditors directly. I believe these issues represent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I sent dispute letters on to the CRA 's on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 requesting removal from my credit reporting some have been removed, yet the following remain on my credit reports. 


XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. DEPTEDXXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Account # XXXX
Product: Debt collection

9 hundred and change unsure on the amount I have set up arrangements on for today did not go through since payday is today or tonight. Anyway I was called by structure settlement company first to my job telling me they spoke to my employer but willing to give me a chance to settle I asked not to call place of employment today i was working and unable to answer my phone I review voice mails 2 actually stating they reviewed reciting and payment came pack nsf well not true because I set up on my card. They he tells me they take those nsf payments very seriously in a very loud and threatening tone. I will pay my debt but I do not appreciate the threatening voicemails or leaving my personal info on a voicemail. Or calling my employer. If the want to garnish go ahead I will pride fax information for them to send in the right way! This is un acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a 609 letter to XXXX, XXXX & Equifax asking for proof of verification for the following unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to Experian credit monitoring service for a month and then discontinued the service. I only wanted to use the service for one month and was n't interested in continuing the service on a permanent basis. After two months I decided to check my credit report because of something I received in the mail from a business. When I tried to log into my existing account, I was denied entry and was prompted to pay a almost {$50.00} price to log into my account to check my credit report. Basically, Experian never cancelled my subscription like I asked them to after using the service for one month. After contacting Experian telling them i have not used their paid service over the last two months and that I still ca n't because they are requesting that I pay them {$50.00} to even log into my account, they advised me that I needed to pay the {$50.00} first. I will not pay for a service that I have not used and is unable to use.
Product: Debt collection

Midwest Recovery has reported to my Credit that I owe them XXXX from some place called XXXX  XXXX XXXX. This is not my debt and Midwest Recovery has not even contacted me they just placed on credit. This is the third time this company has done this and the other two were removed because they knew they were scamming me. This XXXX needs to stop with Midwest. They are THIEFS. And by the way online payday loans are illegal in NC. So how would I do that.
Product: Checking or savings account

TD bank gave me approximately a week warning to that they were closing my account. I went to the bank on XX/XX/year>, the day they planned on closing the account and requested my balance in check form. They said they could not provide the balance and instructed that I wait for them to mail me my check. It has been a week already and I have not received my money.
Product: Checking or savings account

This is an accruing problem with JP Morgan Chase. I am a XXXX XXXX and my Bank is XXXX, Chase is holding funds from customers even after they have funds deposited into their accounts. Last year alone my company had several issues. I have copies of my tax papers, and my pay sheet showing the check number.
Product: Student loan

The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax several times and about XXXX XXXX reporting incorrect information on my credit report. I never received any response or resolution to this situation no calls or emails were answered. This is a very important matter identity theft is a serious matter I do hope this situation will be handled promptly. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA
Product: Debt collection

On XX/XX/XXXX, a notice of an alleged debt was transmitted by email notification. The following day, XX/XX/XXXX, I conversed with XXXX, a representative from the Collection Agency, " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX neglected his commitment to investigating the dispute and subsequent follow-up. Additionally, XXXX XXXX, the compliance manager at " Colombia Debt Recovery DBA Genesis, '' failed to provide his credentials for email correspondence upon request. I stated that a validation request would follow suit and no adverse annotations be recorded on my credit history. XXXX XXXX 's contact information and position were discovered on the company 's website. Following our telephone conversation, I promptly transmitted a follow-up email containing a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that any erroneous information reported to the credit bureaus would constitute fraud, for which legal recourse would file suit. I stipulated that all correspondence going forth be solely via email. Despite my adherence to this course of action, I later received an unfavorable collection remark on XX/XX/XXXX. Subsequently, I have been subjected to unwarranted and harassing electronic communications from Colombia Debt Recovery, operating as Genesis, which have failed to address my debt validation request and instead persist in further collection attempts. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.
Product: Money transfer, virtual currency, or money service

I have tried several times to send money from my Navy Federal Credit Union account through XXXX to someone for business purposes, and instead of the instant service and payment like every other bank account that I have, it has taken now 3 days to get this money to my employee and caused multiple problems!!!
Product: Credit card

I have the unlimited cash rewards ( silver card ) from Bank of America and it's actually impossible to use this card. I think they may do this on purpose because they have a XXXX dollar credit if you spend a certain amount within 3 months, but of course you can't use the card. The card got deactivated randomly today even though it was the same card, used just one week later at the same grocery store that we always go to. When I tried to call to whitelist this card ( so it wouldn't keep getting flagged ) it is actually impossible to get a human on the line. I am debating just cancelling this card, since it seems like a scam. How are you supposed to spend a certain amount of money if you can't use the card at all? And it's absolutely impossible to contact a human being!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint and the company did not follow through to have the inquiry removed as previously agreed in XXXX on XX/XX/20
Product: Debt collection

This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. Tbe leter was sent out XX/XX/ 2021 and as of today, XX/XX/XXXX, I have not heard anything from this company.
Product: Credit reporting or other personal consumer reports

XXXX RESPONSE TO THE SAME COMPLAINT SENT TO EXPERIAN AND XXXX XXXX. Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/2024 Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Product: Mortgage

Was in bankruptcy protection from XX/XX/2019 until XX/XX/2019. 
XXXX XXXX reported a late payment on my account during the automatic stay. 
The payment was not late and this violated the protection that bankruptcy provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Experian regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XX/XX/XXXXhas gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days means these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Product: Student loan

In 2008 I was XXXX XXXX XXXX, misinformed, and misguided by the corrupt student loan company, once known as XXXX XXXX, to apply for a student loan which would end up plaguing me for the rest of my life. It was easy, you go online, apply, " electronically sign for you and your co-signer, '' and that's it. You get approved for a loan that will surely default to a young girl who had NO idea what they were signing up for. How can an " electronic signature '' be legal for a financial decision of this magnitude? Biggest mistake of my life. I've tried at first to pay off my debt ( $ 20,000+ for one semester ), and have failed. I've exhausted my forbearance and deferment options. I can not afford my day-to-day living expenses and other bills, plus the almost $ XXXX Navient wants me to pay. I can't swing it, and I should've never EVER done business with XXXX XXXX, now known as Navient. I receive nearly 20 phone calls a week from them asking for money, it is borderline harassment and I simply do not have the money.
Product: Debt collection

I 've contacted this company numerous times over four years and they still have not verified any information with me. I discovered them on my credit reports when trying to move into an apartment. They have XXXX accounts posted to my credit reports XXXX XXXX and XXXX. Accounts are # XXXX for {$810.00} # XXXX for {$1000.00} # XXXX for {$550.00} and # XXXX for {$1300.00}. After researching this company on my own. I have noticed this company has been sued multiply times for manipulating and compromising information on consumers credit reports. Noticing that also the Consumer Financial Protection Bureau has taken action against portfolios recovery 's Deceptive Tactics to Collect Bad Debts. Portfolio recovery is very sneaky and are very manipulative over phone calls. This has to stop, They will not return emails, Ive contacted them to resolve the issue and they are to multiplicative for me to handle!
Product: Student loan

I overpaid {$2500.00} and the company didnt notify my of my balance or overage charge until I detected it. So I contacted Launch customer service and they are saying it takes 60 days to just get the refund check processed. So I called XXXX  XXXX XXXX and they made a claim and told me to file a claim with cfpb as well to flag the company.
Product: Credit reporting or other personal consumer reports

I did not give this company ( WELLS FARGO AUTO ) permission to pull my credit
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card

I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the open complaint # XXXX I got a letter in the mail from this consumer reporting agency. My letter I sent them was in English. So I expected my response to be in English. This is total disrespect, a stall static under 15 usc 1681, and improper communication skills.
Product: Checking or savings account

Received notification on XX/XX/23 that my Synchrony savings account had been " Restricted ''. In speaking with customer service via phone on XX/XX/23, I was told that it was Restricted because I had added my wife 's XXXX XXXX  checking account - which is solely in her name - to my Synchrony savings account and initiated a {$600.00} transfer to her. I explained that the Synchrony system allowed the account to be added and did not warn against using an account with a name other than my own. Regardless, I have to wait 3-5 days for the money to be transferred back to the Synchrony account before I can remove my wife 's XXXX XXXX account. But even then, I'm told my account may be frozen for 30-60 days while it is " reviewed, '' which is unacceptable. The money in this account was from a recent house sale, which is needed to purchase a new house.
Product: Mortgage

Mr. Cooper continues to provide false information about my mortgage with them to the credit agencies. They have reported to XXXX that it is closed ( lie ) and they report to XXXX the incorrect balance and NO payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions Equifax has verified these 6 inquiries and they are all fraudulent and I have listed also the police report also a credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted credit card statements, showing monthly payments to XXXX XXXX ( account opened in XXXX  ), and the credit bureaus have not removed several late payments from the account. XXXX, Equifax, and XXXX have all sent me messages, stating that my dispute with XXXX XXXX has been remedied. Yet, the inaccurate information still shows on all three of my credit reports. I have disputed this issue at least six times with the three credit bureaus. They continuously contact XXXX XXXX for input ; however, they never look at my evidence, which shows that I did not make over XXXX XXXX, XXXX, or XXXX late payments. XXXX XXXX 's erroneous reporting is affecting my credit score. Statements will be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by FEDLOAN SERVICING. Each time XXXX sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. XXXX says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from FedLoan when the loans were under forbearance. I have disputed this with FedLoan without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.