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

I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX  screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX XXXX, and TransUnion that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.
Product: Debt collection

This company portfolio recovery solutions has debt that has been paid off and has been removed from my credit they continue to call and harass me calling after XXXX and before XXXX XXXX and I have repeatedly told them to stop. They continue anyway. Most recent phone call was today XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX show a public record on my credit profile. This public record seems to be a bankruptcy. The item is not mine and yet the verification comes back stating it is. They offer no true verification for me to prove its not mine. I called the courts that this seems to be filed with however they say they do not verify records and or identify who in fact the record belongs to. Because of this it is clear to say its somebody with a similar name and so the two bureaus keep it on my file. I need immediate relief and this to be removed as its not mine and dont belong to me
Product: Checking or savings account

Hello XX/XX/XXXX I FOUND OUT MY ASSITANT WENT BEHIND MY BACK XXXX SAID I WASNT APPROVED FOR EDD DURING COVID. SO I PUT IN FRAUD CLAIM WITH BANK OF AMERICA PREPAID EDD CLAIMS DEPARTMENT. Claim # XXXX I SENT Fraud department copy of POLICE REPORT, federal trade commission report, copy of XXXX  I was taking from my doctor on weekends, copy of my ID, COPY OF MY XXXX XXXX REPORT showing fraud accounts open in my name also Edd debit card was listed, copy of Edd identity paper work, also copy of email from assembly office of XXXX XXXX which XXXX XXXX XXXX the assymbler is still on the case trying to help me with appeal I emailed him to Edd office for appeal, bank of America told him someone would be calling me thru email he sent me nobody has from investigation department till this day. I put 6 claims in so far with numerous complaints filed from Coustmer service and supervisors who are not allowed to call or talk to investigation department just send emails. I tried calling corporate Bank Of America, and visted branch and manager stated we arent allowed to call that department we just identify Edd Coustmers identity here. Nobody you can call or complain about investigations nor fraud department for Bank of America Edd fraud claims department. There is no hope there I tried left messages Edd stated thats its on Bank of America end not theres. I called Edd fraud line numerous times left messages no help there. I didnt certify, didnt accept funds, my claim hadnt been updated to actual amount has of today I asked even numerous emails been sent to investigators in that department from Coustmer service and supervisors, no new note updates from investigation department, my claim is just sitting there being denied for different reasons. I tried calling and to report my issue since this happened in XX/XX/XXXX when I found out. No provisional credit was giving. No nothing. Coustmer service said were all being basically denied she wasnt supposed to tell me that another Coustmer service said will be written up. My 6 claim is pending since XX/XX/XXXX takes up to another 45 days. Im asking for someone to look into my case. I was told I have well over enough documentation my claim should been granted long time ago. Bank of America branch manager stated the claim should been updated to actual amount, and highlighted the fraud credit cards on transactions from XXXX XXXX report, if I was regular Bank Of America Coustmer not Edd he could helped me resolve my issue. I have all proff on my claim nobody can help me. Please help this is my money for year XXXX and XXXX not XXXX transactions thats still in my claim not been taking off has I asked numerous times and Coustmer service and supervisor also my claim hadnt been reviewed nor look into nor I received a call from Bank of America nor u can complain no nothing nobody in Bank of America can call them at Edd Bank of America fraud claim department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn Disputes Dept XXXX XXXX I believe a XXXX called me to Harass me about filing my complaint on XX/XX/XXXX. 
Com [ plaint Number XXXX She called me and said we were being recorded but not to collect a debt. Then she mentioned my filing a formal complaint with you, the CFPB. 

I asked her if Bank of A was going to fix the problem and all she kept saying was double talk instead of direct NO, THEY WON'T FIX MY PROBLEM. 
I yelled and screamed at her to stop harassing me until the matter has been resolved and then she hung up. I hope she plays the recording to everybody at BofA because they are a do-nothing bank in my book. I've lost lots of sleep as a result of BofA. 

What nerve, calling me to scold and threaten me about filing a legitimate complaint. 

I want action, not harassing phone calls, how unprofessional. Looks like they fear the CFBP ... ... .Good and thank you. 
ALL I WANT IS FOR BANK OF A TO MAKE MY CREDIT REPORT READ THAT THEY WERE PAID IN FULL XX/XX/2017 AND THAT THEY ARE SORRY.
Product: Consumer Loan

I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.
Product: Credit reporting

1. All XXXX agencies, XXXX, TransUnion & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally address an ongoing issue regarding multiple hard inquiries on my credit report, which I believe are the result of fraudulent activities. Under the Fair Credit Reporting Act, specifically XXXX XXXX CXXXXe XXXX, I am entitled to accurate reporting of my credit information, and I have taken the necessary steps to resolve this matter. 

Despite my efforts over the past 30 days to contact each of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ), I have been advised to reach out to your office for resolution. I have submitted letters and documentation outlining the nature of these inquiries, yet no action has been taken to remove the 14 fraudulent inquiries from my credit report. 

As per XXXX XXXX CXXXXe XXXX, which states that consumers have the right to dispute inaccurate information on their credit reports, I am exercising my rights to challenge these inquiries. The lack of resolution from the credit bureaus is unacceptable, and I am now compelled to consider legal action to ensure compliance with the law and protect my creditworthiness. 

I kindly request your immediate attention to this matter. Please investigate the fraudulent inquiries and facilitate their removal from my credit report. I appreciate your prompt response to this urgent issue and look forward to your guidance on the next steps. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I HAVE NEVER OWED XXXX OR XXXX  THIS IS NOT MY DEBT AND WHEN I CALLED THEY CANT PROVE IT.
Product: Debt collection

Debt created by XXXX XXXX XXXX enclosed document will explan every thing on how debt was started. I will up load all party in vovled firsrt Transunion credit credit reporting agency 2. XXXX XXXX XXXX 3. the reporting other is to XXXX XXXX XXXX open XXXX XXXX,2017 Original Creditor. XXXX XXXX At XXXX debt amount XXXX I Dispute this debt and need it remove now. p.s. this is a complaint on all party listed.
Product: Checking or savings account

I saw two separate fraudulent debit card transactions on my account. I filed a dispute and was told to wait 10 business days for a provisional credit. On the 10 business day my dispute was denied and no provisional credit was given after I provided clear evidence that the two fraudulent transactions couldnt have been me. I was on a trip to Ohio and Kentucky and while I was in those states ( authorized transactions posted to account to validate I was there ) two different fraudulent transactions occurred one in California and one in Colorado. The bank is refusing to help me and now 17 days later after this happen I still dont have my money back.
Product: Credit reporting

there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I am requesting a monthly breakdown of all charges and fees. 



GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX {$8200.00}
Product: Credit reporting or other personal consumer reports

I am reporting an instance of credit fraud that is negatively impacting my ability to purchase a home. Unauthorized accounts have been opened in my name without my consent, resulting in a lower credit score and subsequent application denials. I have notified the credit reporting agencies and taken steps, such as filing fraud alerts. This situation is causing significant XXXX  and hindering my home-buying process, and I am seeking guidance on how to resolve the fraudulent activity and protect my identity moving forward. Please remove the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with the original creditor XXXX XXXX XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Product: Debt collection

This is a formal complaint against Meridian Financial Services for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and failure to provide necessary information regarding a disputed debt. 

On XX/XX/year>, we received a letter from Meridian Financial Services stating that they do not have to provide acknowledgment of the debt in question. This response directly violates the FDCPA, which mandates that debt collectors must validate the debt and provide clear information regarding the ownership of the debt upon request. We are currently disputing this debt and are attempting to cancel our timeshare with XXXX XXXX. Despite our efforts to seek clarification and validation of this debt, Meridian Financial Services has failed to comply with these legal requirements.

We request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Meridian Financial Services validates the debt in question fully and accurately. Additionally, we seek assistance to cancel our timeshare with XXXX XXXX 

We have attached a copy of the letter from Meridian Financial Services on XX/XX/year>, as evidence of their failure to comply with the FDCPA. 

We trust that the CFPB will take the necessary actions to address this matter promptly and ensure our consumer rights are protected. Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as 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 and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Money transfer, virtual currency, or money service

Venmo permanently deactivated my account, finding that my actions and activity have been in violation of the Venmo User Agreement ( XXXX XXXX XXXX  ). However, when I inquired about what actions and activity caused this violation, Venmo support replied " If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' This means that Venmo can, without finding any actual cause or allowing members any opportunity to rectify an error ( whether an actual user error or an error by Venmo ), unilaterally cancel a user account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name SELF, INC Account Number XXXX Date Opened XX/XX/2020 Balance {$520.00} I never heard of Self, Inc and I never signed contract with them.
Product: Debt collection

I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. 

On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. 

I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

My sister-in-law, XXXX XXXX owned the property in question with her mother, XXXX XXXX. She had put the property into forebearance after losing her job in XXXX during Covid. XXXX passed away on XX/XX/XXXX and XXXX 4 days laters on XX/XX/XXXX. I was named XXXX 's executor and her son, XXXX XXXX was named her heir. I am XXXX XXXX 's XXXX or her estate and XXXX 's XXXX of Attorney. 

I have been working with Flagstart Bank and began making the modified loan payments in XX/XX/XXXX. I was working with the loss mitigation department through this process and was at the finish line to completing the loss mitigation when they told me that I needed to get the deed in XXXX XXXX 's name. I did that in XX/XX/XXXX and then immediately the loss mitigation was cancelled and no one at Flagstar would talke with me. 

I had to resubmit all the documents from the death certificates to my certificate as the administrator, the deed to put the property in XXXX 's name and the power of attorney. They sent me a letter telling me that XXXX XXXX would be my single point of contact. I called this past week on Monday to try to get an appointment with her and was told it would be 24-48 hours before I would hear from her. As of today, I still have not heard back from heror anyone at Flagstar. I have made sure the modified loan payments have been made since XXXX ; but they have returned the XXXX payment. 

I also have now received a letter that they are going to foreclose on the property, I'm going to pay the amount of the original payment this month to try to get their attention that way ; but I'm at wits end since they are no longer talking with me on this matter. I have been trying to resolve this for months and get the loss mitigation finalized. 

Please help.