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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit profile that I have been disputing for several months to no avail. please help.
Product: Checking or savings account

write a cfpb complaint about discover bank- on XXXX I went online and opened 2 new XXXX 's, 12 month@ 5.2 % and 9 month@ 5.4 % - finished application and got a message to call discover - called and verified my information and was told everything was okay. On XX/XX/ noticed that the new CD 's were not in my discover account - called and was told " an error happened '' and that I needed to reapply for the CD 's - no email, no call, no notification what so ever that an error happened. A bank doesn't get to " have an error '' when processing $ XXXX of my money and keep me as a customer. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is a US Bankruptcy XXXX XXXX XXXX on my credit file. In XXXX of 2022, I asked Equifax to do a reasonable investigation. EquiFax did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked EquiFax to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. EquiFax receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. EquiFax verifies its information with XXXX. Both, Equifax and XXXX admit to working in conjunction with each other. This why EquiFax didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( XXXX Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the XXXX XXXX XXXX  of XXXX proving Equifax has been violating my rights as a consumer. I have a letter from EquiFax stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from EquiFax not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from XXXX proving they provide Equifax with information as a third party vendor for bankruptcies. 

Inconclusion EquiFax did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.
Product: Mortgage

I was spoken with someone at US Bank sent a copy of my passport My endorse full amount of the mortgage price on my house to US Bank CEO and the payment department Talk to someone in the payment department they all say here in Missouri they do not go by endorse bills and they're not subject to the federal law under UCC section 3 I'm needing assistance with this because no one seems doing except my status or these endorse bills which is against my civil rights I have contacted Homeland Security as well
Product: Credit reporting

To whom it may concern : I am writing in the hopes of correcting some errors on my report. Experian has sent me XXXX different credit reports, with XXXX different names, although I have legally changed my name, and provided them with the legal document, provided to me by the Common Wealth of Massachusetts , Trail Court, Probate and Family Court, XXXX Division, on XX/XX/XXXX. The reports with the names XXXX XXXX, and XXXX XXXX, share the same information, which have many errors. The report with my current name, XXXX XXXX, does not show the same mistakes and I need to make them aware that these reports all belong to the same person. In the reports with my past names, it states that my spouse or co-applicant is XXXX, which is an error. I am not married. I was briefly married to this person but the marriage was annulled due to fraud. Therefore I need the name to be removed from my report, as it is incorrect information. Also, the report erroneously reports that I have lived at : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX. I have never lived in XXXX, MA. The report with the name XXXX XXXX does not show the XXXX address or the spouse/co-applicant, as XXXX. 

I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later changed my name by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information they think they are dealing with XXXX different people. 

Finally, my Student Loan Corp, which were transferred over to XXXX XXXX XXXX XXXX are reported as past due since XX/XX/XXXX, which is wrong, since my last payment was XX/XX/XXXX, but I pay the loan monthly. These XXXX loans, shown on my XXXX XXXX credit report, on pages XXXX and XXXX, have been transferred to XXXX Bank and are paid monthly, and never late. I have been paying these loans for more than a year and they are reported incorrectly, as past due. 

Thank you for your attention in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

INACCURATE AND UNVERIFIABLE INFORMATION IS BEING REPORTED ON MY CREIT CONSUMER FILE.
Product: Student loan

I have sent more then one complaint and still nothing. I reached out to the advocacy group on AES web site and i got in a short statement to bad. I have letters out to them today. I have a letter to my attorney general in my state. I was reading their response and it said to call XXXX XXXX XXXX. You may also contact them via mail at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Well this place has no idea why they still get call about AES to them. So as of today I am going to have to drop my health insurance and house insurance in order to pay the payments which i am behind on. So by doing this i risk a fine and even more. How do they expect me to live? I even have proof this has effected me mentally. this is a joke. i regret going to school
Product: Payday loan, title loan, or personal loan

I had a loan payment due with cashcentral on XX/XX/2022 in the amount of {$280.00} that was supposed to be withdrawn automatically from my checking account. I called cashcentral on XX/XX/2022 to let them know that I can not make that payment and asked if I can pay a smaller amount of {$100.00}. I also asked to do an ACH revoke so that they could not withdraw from my account. Cashcentral agents agreed to both. On XX/XX/2022 cashcentral debited {$540.00} from my checking account which was my full remaining balance. I called my bank to have the debit removed. On XX/XX/2022 cashcentral once again debited {$540.00} from my checking account and I could not have it removed. I called cashcentral on XX/XX/2022 and they denied that an ACH revoke was even made although they have all recordings of the phone calls I made to them.
Product: Credit card

I have been making my payments with my checking account on time and month after month I received letters and phone calls that my payment didn't go through due to an invalid checking account number so multiple payments were made. Then when the payment was processed with someone on the phone the prior payments would also process. In XXXX of 2023 there were XXXX payments that processed all at once. I had the same problems in XXXX and XXXX I spent countless hours trying to figure out why my payments weren't processing. Every time I spoke to someone at Kohl 's customer service or their collections department they said that my bank was not allowing the payment to be processed. They were blaming my bank and so I talked to my bank a lot and they confirmed that there were no payments that were being rejected and that my bank was not the problem. They also confirmed multiple payments from different dates processing all at once. This was impacting my life so I decided to do a root cause analysis to get to the bottom of this and I have found the problem and this needs to be fixed by Kohl 's. I want this to be published so that other people know that this is the problem and I want the CFPB to force Kohl 's to change their online policy. The reason that my payments were not going through was due to Kohl 's systemic issue. Kohl 's now requires that you link your checking account to your credit card in order to process a payment to that account. I do not want to link my checking account to my online Kohl 's account or any other department store. I am sure there are many others that are having the same problem with Kohl 's so I feel this needs to be investigated. This is impacting my finances and it also potentially impacts my credit and I have spent so much time trying to figure out why my payments were not going through when the actual problem is Kohl 's and their requirement that you link your checking account to your credit card in order to make a payment with that checking account.
Product: Checking or savings account

On todays date, XX/XX/XXXX, our Visa debit card through First Horizon Bank, XXXX XXXX XXXX, XXXX, TN, with a branch on XXXX XXXX in XXXX, was declined XXXX  times while being used at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC, and then again XXXX more times at the nearby XXXX on XXXX XXXX. This, despite the fact that there was plenty of money in the account. 

After the XXXX XXXX denial, we immediately called the branch in XXXX, which then transferred us to the XXXX number for First Horizon, and a person named XXXX in their fraud department first said the account had been flagged because of several purchases on XXXX earlier XXXX morning but then later said the problem lay in XXXX Teeters XXXX XXXX. He suggested we run the debit card again at the pharmacy, which we did, this time successfully. We told XXXX that we were using the card again in about an hour at XXXX and he said there will be no problem. 

Guess what? The same thing happened at XXXX, once again even though there were plenty of funds in the account. This time, though, the bank called XXXX immediately with a robo announcement to make sure we had made the latest purchases with our card. When I hit the prompts indicating the charges were correct, only then was the card accepted. 

We were so humiliated and embarrassed by these eventsat stores where we shop all the timethat we called First Horizon corporate when we got home, and spoke to XXXX and then her supervisor XXXX, the latter of whom was condescending and borderline XXXX. XXXX agreed to send us a new debit card through the mail, and indicated the problem was simply a chip malfunction on our existing card. But that would not explain the robo calls which stated it was a security/fraud problem. 

We appreciate First Horizons attempt at stricter security. However, we do not appreciate being shamed and embarrassed by a bank that has had a history in the XXXX years we have been customers of sloppy procedures and extremely poor customer service. Is this anyway to run a financial institution that has changed ownership several times recently and seems to be run on an extremely shaky foundation?
Product: Credit reporting, credit repair services, or other personal consumer reports

The information provided on my credit report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
XXXX XXXXXXXX. Reported : XXXX. Balance : {$2800.00} 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 an account without my written authorization.
Product: Checking or savings account

On XX/X/17, I deposited a check for {$940.00}, and a hold was placed on {$640.00} due to the fact that I had had multiple overdrafts in the last XXXX months. The held funds will be available on XX/XX/17. Unfortunately I have an automatic payment set up for my car insurance that is withdrawn on the eigth of every month, which because the funds were held, has overdrawn my account. I called the bank and spoke to a representative who stated that overdraft fees will be applied until the funds are released, and that there is nothing he or anyone at the company can do. I feel that this is unfair and dishonest. I deposited the funds into my account and there is enough to cover the overdraft, so there is no reason for me to be charged because the bank has chosen to hold my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and saw fraudulent inquires on my report. These are not my inquires. I did not authorize them.
Product: Credit reporting or other personal consumer reports

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account Type : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXX : Last Verified : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding inaccurate reporting of my account [ insert account number : XXXX ]. I believe they have violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( b ), which outlines my rights to accurate and fair credit reporting. 

My complaint is as follows : Change in Account Reporting : Recently, I noticed a change in the reporting of my account with XXXX XXXXXXXX XXXX XXXX There has been an inaccurate balance reported on the account, which does not match my records. This incorrect information is being reflected in my credit report, affecting my creditworthiness. 

Late Payment Reporting : Additionally, I noticed that my account is being reported as 30, 60, and 90 days late, which is completely inaccurate. I have made all payments on time, and I have not been notified of any issues that would lead to such late payment reporting. This is damaging my credit score and is a direct violation of my rights under the Fair Credit Reporting Act. 

I request that the CFPB investigate this matter to ensure that XXXX XXXX XXXX  is complying with the FCRA, particularly in ensuring that they report accurate information and correct any false or misleading data on my credit report. This includes the correction of the balance reported and the removal of any inaccurate late payment information. 

Additionally, I would like to know what steps I can take to ensure that my rights are protected and that this situation is rectified promptly. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I refinanced my two federal student loans this past year with a consolidated private loan. Prior to refinancing the interest paid on both loans were always eligible for a XXXX. 

Now, Navient is refusing to recognize the interest paid on the new loan as eligible for a XXXX. Interest paid on a refinanced student loan is eligible for tax deduction for an Individual tax payer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX BANK # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.
Product: Credit reporting or other personal consumer reports

This is a long standing dispute over a checking account whereby Discover Financial Services/Discover Bank allowed another person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for Discover, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), Discover Bank sent me a letter stating that they will continue to report my checking account to XXXX after the statutory deadline, which is five years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
Product: Bank account or service

I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.
Product: Debt collection

XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.