23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent in my employment certification form to get update count of eligible payments for my pslf back in XXXX. They sent me a response back in XXXX stating I was missing a signature which I wasn't. So I sent the form back again. I have called multiple times to see when it will be processed. They keep telling me that there is a delay and things are taking much longer. However, it is now XXXX so 6 months later I do not have an updated count. I worked for the federal government so I know the payments count. I would like an accurate count. I also need them to do a manual count of payments because there is some they missed in XX/XX/XXXX, XXXX to XX/XX/XXXX. Also for XX/XX/XXXX I paid a payment XX/XX/XXXX so they aren't counting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to failure to properly investigate disputes, failure to provide a valid Method of Verification ( MOV ), and continued reporting of inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

Bankruptcy Reporting : On XX/XX/XXXX, I filed CFPB Complaint XXXX XXXX  disputing an inaccurate bankruptcy on my credit report. I provided documentation from XXXX, proving that they are a reseller of TransUnions data and do not verify bankruptcy records. Despite this, TransUnion refused to remove the record and falsely stated that the XXXX XXXX XXXX Tennessee verified it. However, the courts official website states that it does not report to credit bureaus, meaning TransUnion is relying on unverified third-party data in violation of FCRA 607 ( b ). 

Failure to Provide Method of Verification ( MOV ) : I formally requested an MOV under FCRA 611 ( a ) ( 7 ) to verify the bankruptcy, yet TransUnion failed to provide : The name of the entity that verified the bankruptcy The contact details of the verifier Documentation proving verification Instead, they responded with a generic statement claiming verification without any evidence. This violates FCRA 611 ( a ) ( 7 ). 

Inconsistent Late Payment Reporting Your Best Credit Union : On XX/XX/XXXX, I disputed incorrect late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Each credit bureau reports different late payment information for the same period XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion reports a 30-day late payment for XX/XX/XXXX This inconsistency demonstrates a lack of verification, violating FCRA 607 ( b ). I requested an MOV, but TransUnion failed to provide proof of verification, violating FCRA 611 ( a ) ( 7 ). 

Failure to Remove Inaccurate Addresses : I requested removal of outdated addresses from my file, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ) & 611 ( a ) ( 1 ), TransUnion must remove unverifiable information. However, they have failed to comply. 
Supporting Documents I am enclosing updated screenshots from all three credit bureaus showing these inconsistencies, as well as the XXXX letter confirming they do not verify bankruptcies. 

TransUnions continued failure to correct these inaccuracies mirrors the CFPBs XX/XX/XXXX, lawsuit against XXXX, which alleges identical violations of FCRA. 

I request immediate correction of these issues, full MOV documentation, and monetary damages under FCRA 616.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my Experian credit report is XXXX.
Product: Debt collection

credit card XXXX  XXXX XX/XX/XXXX {$0.00} credit card CAPITAL ONE XXXX XX/XX/XXXX {$8500.00} credit card XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2700.00} other 01 XXXX XXXX  XXXX XX/XX/XXXX {$2700.00} other 08 XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}
Product: Checking or savings account

I XXXX XXXX went in to cash a law suit settlement check to me by Wells Fargo due to their XXXX  behavior on ( XX/XX/year> ) in the early afternoon. " They used my information falsely. '' As I was cashing the law suit settlement check, I asked to use the restroom? The employee said, " the restrooms are just for customers ''. I said, in my mind, " I am a customer. '' Are you not helping me cash a check for me, from this bank? I stayed calm and got my money and left. However, I knew it was wrong. You see, I have a XXXX XXXX XXXX XXXX XXXX Really, she did not allow me to use the restroom, yet I was a customer, not some one whom just walked off the street and into their work place and said, hey, can I use your restroom? I want an apology by phone, letter and {$7.00} compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the XXXX XXXX XXXX with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXX Liability policy I am not liable.
Product: Student loan

I previously filed CFPB complaint XXXX. The company never responded. 
I have requested multiple times the calculations used by EdFinancial to arrive at my monthly payments. EdFinancial refuses to provide this information after months of inquiries by telephone, chat, and email. 
EdFinancial is completely non responsive.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized use of my Social Security number with 3 inquiriesTrans Union has allowed over {$300000.00} worth of fraud to take place on my Social Security number they need to be held accountable
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask that the following accounts be deleted at your earliest convenience : XXXX, XXXX due to multiple FCRA Violations ranging from incomplete information, inaccurate info incorrect account number, date of last payment contradicting the payment history, charged off account reporting high credits, and balances has detrimentally impacted my consumer report. Ive disputed this matter several times the latest date was XX/XX/2023, which resulted in these account comming back as updated and verified with the inaccurate information still reporting which is in clear violation of U.S.C 1681
Product: Debt collection

LVNV FUNDING LLC ACCOUNT OPEN : XXXX AMOUNT : {$940.00} THIS IS SHOWING ON MY CREDIT REPORT IS LATE AND OPEN THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAST OPEN FRAUDULENTLY.I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Experian credit report. Despite my efforts to resolve these issues directly with the credit reporting agency, the information remains incorrect and unverified. Below are the details of the disputed accounts : XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$6200.00} - Date Opened : XX/XX/XXXX - Status : Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/XXXX. 

XXXX. XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX - Balance : {$25000.00} - Date Opened : XX/XX/XXXX - Status : Account charged off. {$16000.00} written off. {$25000.00} past due as of XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ky XXXX Last XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people. 
These are clear violations of my federal protected consumer rights.
Product: Credit card

Please allow this letter to serve as my complaint of discrimination against Capital One Financial. I have contacted your office by phone on several occasions and have received no assistance or explanation. I am writing to convey my deep concern and disappointment regarding what I strongly believe to be illegal discrimination concerning the closure of my credit cards by Capital One fraud department. I have been a loyal customer for over 7 years and I have consistently maintained a positive payment and credit history with your institution.

I was shocked to learn that my credit cards were abruptly closed when my son attempted to make a payment to pay off the card. An outside agency froze his account and the payment was returned. All of my credit cards were immediately closed without any apparent notification or questions. This unexpected action has left me perplexed and distressed, particularly as I have faithfully adhered to the terms and conditions of our agreement. Days before the closure I was offered an upgrade to a new card, which was recently mailed to me. I also purchased a vehicle through Capital One Financial services and was never late on that payment.

Given the lack of any reasonable explanation for this decision, I am compelled to believe that I am being discriminated against based on my name, age gender and race by Capital One due to the unjust treatment I received, which is in a manner that is different from others. My younger XXXX  male and female colleagues and associates are not receiving harsh consequences. I also have other work colleagues that have not received such abrupt consequences. This raises the possibility that the closure XXXX be based on several discriminatory factors. It is essential to emphasize that any form of discrimination on these grounds is not only morally reprehensible but also illegal. 

I request Capital Ones immediate attention to this matter and a thorough investigation into the circumstances surrounding the closure of my credit cards. I demand a clear and detailed account of the findings, as well as appropriate corrective measures to rectify this injustice. Capital One 's commitment states that they are focused on creating a world where everyone has an equal opportunity to prospers. Due to the discrimination, I am not being afforded this opportunity by Capital One.
Product: Debt collection

I had filed a complaint with the CFPB against Sequium Asset Solutions as they were attempting to collect a debt I did not owe ( XXXX XXXX XXXX  ) and failed to provide information as required under FDCPA, but they did address incorrect credit reporting. However, it appears Sequium Asset Solutions has since sold the debt to yet another debt buyer, to XXXX XXXX XXXX ( this is how their name appears on my credit report ). This new debt buyer is trying to collect on the same debt that I do not owe, and the previous debt buyer likely violated FDCPA and other credit reporting and collection rules by selling/transferring this debt. This has risen to the level of harassment, possibly rule violations related to these debt buyers ' collection tactics. I have advised this is not my debt, I even called the alleged original creditor ( XXXX XXXX XXXX  ) as I was worried about identity theft, but they could not find me in their system as ever having an account. In fact, as I have explained to the previous debt buyer, I have never had an XXXX XXXX XXXX account of any kind, I have never owned an XXXX, and I have never lived at the alleged address associated with the debt.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I XXXX {$200.00} to a tattoo XXXX for a deposit for an appointment. The XXXX then canceled the appointment and told me theyll refund my money and didnt. They blocked me and ignored all messages. I tried to dispute it with my bank but they keep denying my dispute knowing that I was scammed. The XXXX  email is XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a title loan in XXXX of XXXX. I was injured in a car accident on XX/XX/XXXX and was unable to work and the vehicle was totaled. My auto insurance carrier denied my claim on the grounds of misrepresentation so they did not pay my work loss benefits. I was unable to make the payments as agreed, and I made the creditor aware of this immediately. I had to file a lawsuit against my insurance carrier to get my past due work loss benefits and medical bills paid. I was terminated from my job as a result of the time I missed from work due to my injuries in XX/XX/XXXX. I am still unemployed and made XXXX XXXX aware of this. I have applied for social security XXXX but have not received a decision yet. XXXX XXXX title loan is calling my loan references that have no financial obligation under the title loan, as part of their collection activity.. I have asked them on several occasions to stop calling my references, and they refuse to comply. I want the harassing phone calls stopped.
Product: Mortgage

After months of back and forth and many phone calls, I finally found someone who would return my call to explain if a charge that was to be reversed was ever reversed. I have since followed up with her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to get a call back. 

My contact 's name is XXXX and she is at XXXX and I am looking into why I have a charge on my XX/XX/2018 statement and also an accounting for the multiple entries to my account. 

I have an auto pay set up for my mortgage and have always paid on time and am not sure why the customer service at this bank has been lacking. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter disputing information on my report and on XX/XX/XXXX I mailed a certified letter to find out the status of the re-investigation to simply get a copy of the original report. You mean all this time I've been waiting for erroneous information to be corrected and they failed to act. 

Investigation took more than 30 days ( not completed ) did not correct the errors Failed to timely investigate the issues
Product: Debt collection

I asked all three credit bureaus to remove with no prevail contract Midland credit management to provide me with the debeter and the original wet signature and if any payments were made and if they collect the insurance on this debt that doesn't belong to me with no response I feel like this is just wrong and a slap in the face
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) " XXXX XXXX '', ( Transferred to ) >>> '' SCA COLLECTIONS INC. '', XXXX XXXX XXXX XXXX XXXX, XXXX, NC.XXXX. 
XXXX XXXX XXXX XXXX. 
THEIR CLAIM OF {$340.00} IS FRAUDULENT. THE REAL AMOUNT WAS MUCH LOWER WHICH REFLECTS BLOOD TEST AT " XXXX XXXX '' AND WAS PAID BY MY INSURANCE " XXXX ''. DOCTORS AND LABS OBTAIN AN INSURANCE APPROVAL BEFORE DOCTOR 'S VISIT AND LAB 'S TEST. 2 ) " XXXX XXXX XXXX '', ( Transferred to ) >>> " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX, SC.XXXX, ( XXXX ) XXXX. THEIR CLAIM OF {$870.00} IS FRAUDULENT. THE LINE OF CREDIT OF THE VISA THAT WAS ISSUED BY " XXXX XXXX XXXX '' WAS {$450.00} AND I NEVER USED THE WHOLE AMOUNT. I DECIDED TO TO PAY THE BALANCE {$220.00} AND CLOSE THE ACCOUNT ON XX/XX/2017, BECAUSE " XXXX XXXX XXXX '' STARTED TO INCREASE THE INTEREST RATE TO 30 %, EVEN THOUGH UNTIL XXXX I DID ALL PAYMENTS ON TIME. I FILED MULTIPLE REQUESTS FOR INVESTIGATION WITH XXXX, XXXX, XXXX. ONLY XXXX HAS REMOVED BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT. PLEASE USE YOUR INFLUENCE AND YOUR INVESTIGATION OBJECTIVELY SO THAT XXXX   AND XXXX REMOVE BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT, IF YOUR DEPARTMENT IS REALLY ABOUT CONSUMER PROTECTION AND NOT CORPORATE PROTECTION AND SUPPORT ( XXXX XXXX STYLE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the three credit bureaus Experian, XXXX and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. XXXX is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!
Product: Debt collection

I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by Hayt, Hayt, & And Landau for their client(s) XXXX   And XXXX XXXX  XXXX. I have asked them to provide me with proof (validation) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show “Consumer Disputes.” The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I don’t know why I must spend so many countless hours trying to correct these companies' mistakes. 

I’m requesting an investigation/inquiry into this matter.

I do not want any telephone calls from XXXX  or their debt collectors of ANY KIND and if I do I will consider it harassment.