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

**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX. They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, XXXX, XXXX, and TransUnion are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C. 
I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now XXXX student loan. Below are the details of my concerns : XXXX ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan Discharged letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX XXXX, XXXX XXXX Experian REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED.

3 ) Request for Compensation and Issuance of 1099-C form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per XXXX U.S.C. XXXX ( a ). 
I also request that XXXX issue a 1099-C : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED
Product: Student loan

I applied for the XXXX repayment plan on XX/XX/2023 through the studentaid.gov website. The website told me that they would send the application to Edfinancial for review. Edfinancial reviewed it on XX/XX/2023 but I never received any correspondence on whether my application was approved and I am currently still on the standard payment plan. They never sent and email or a letter on the status of my application.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX,2017 I wired XXXX to XXXX XXXX destination Texas with a fee of XXXX. Realizing it was fraud and a scram I reached out to Money Gram to cancel and refund my Transaction but they stated it has already been picked up and there was nothing they do. I wanted my hard earned money returned back to me and for them to flag it as fraud. Can you please assist me with this in justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - showing late 7 times - i was late twice due to loan mod target - fraud charges - won class action - wont take it off XXXX XXXX - wont up date as paying only owe XXXX XXXX shows not paid - i paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 15USC 1681 section 602 states I have the rights to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Collection/XXXX  # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Product: Credit reporting

I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified
Product: Credit card

Pay the card in full on XXXX XXXX. Try to use the car on XXXX XXXX and was declined. No balance and no amount due. They are holding a processed payment for 3 weeks. Not allowing us to use the card for the business Until they take it off hold three weeks later. This is a major interruption to the business.
Product: Mortgage

I applied for a modification of the first position mortgage and was approved for a trial modification. I am eligible for a permanent modification if I resolve the liens against the property. 

I have entered into a repayment agreement with Santander but they are refusing to issue me proof that they consider their lien subordinate to the XXXX mortgage. They stated that the nature of the lien makes it subordinate and they are refusing to issue a letter or email stating that they are subordinate. I have also sent a subordination form to them that XXXX has drafted and they refuse to complete the form. 

If I don't get any help with this, I will lose my home. XXXX issued a denial letter today stating that I was denied based on the fact that I have not resolved my lien.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX XXXX XXXXXXXX Account name, XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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

I have made a mortgage payment to Amerihome Mortgage company on XX/XX/2022 also I have sent proof of payments documents and also my bank XXXX XXXX XXXX XXXX has sent proof of payment documents and for home mortgage company is still refusing to apply the XX/XX/XXXX payment and Amerihome is threatened me with foreclosure documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX THE FOLLLOWING ACCOUNTS ARE REPORTING ICORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 I purchased a XXXX XXXX from XXXX XXXX of XXXX in XXXX, VA. I took out a loan through them and XXXX takes out loans through Chase bank. I realized a week or XXXX later that I wanted to switch the loan over to my bank XXXX. I called XXXX and filled out the information necessary for the loan to be switched over to XXXX. XXXX sent the check to XXXX and it was cashed out. XXXX told me the car was paid for and they now had the loan and I began making payments. I am in the XXXX XXXX and was gone for training for a couple months afterwards. I came back home to letters in the mail from Chase bank saying I have late payments on my loan. I thought I had paid off the loan with Chase but I found out that XXXX just cashed out the check and never paid off my car with Chase. XXXX ended up sending a check back to XXXX to pay off my loan with them. I still have my loan with Chase and the late payments ended up hurting my credit. I submitted a couple complaints to XXXX and they were denied and said Chase needs to send documentation for my credit to be fixed. I contacted Chase and they have refused to fix my credit. I have attached the check that was sent to XXXX and cashed as well as the documentation showing my loan with XXXX was paid off. I can also send a copy of my orders proving I was gone for training if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Payday loan, title loan, or personal loan

Wells Fargo arbitrarily decided to close all Lines of Personal credit as of XX/XX/XXXX, with minimal notice and without offering any options besides " Apply for one of our other credit cards. '' However, after multiple attempts online and in the bank with a personal banker, I was repeatedly turned down. I've been a Wells customer since XXXX, keep an average balance of $ XXXX month-to-month, and have had this Line of Credit for 10 years. I was XXXX and on XXXX over 4 years ago, and did have some problems that impacted my credit score, but it will be several more years before that stops negatively impacting my credit score. The Line of Credit represents over half of my current total credit limit, and having it disappear will make my credit score much worse, and take longer to recover. Over the last 3+ years I prioritized my obligations to Wells paying thousands in interest and fees, never missing or being late with a payment, and now have XXXX outstanding debt with them. It's wrong that I have made considerable effort in good faith to honor my obligations to Wells, and they can arbitrarily pull the rug out from under me, create big problems for me, and offer nothing to offset the impact their actions have on me. The only other credit options currently available to me are very low quality and expensive.
Product: Credit reporting or other personal consumer reports

I have had a XXXX  card since XXXX and have never missed a payment. In XX/XX/XXXX I was a victim of Identity fraud at my bank XXXX I had to close my acct and open a new acct with my bank. XXXX was one of my many auto payments through my bank acct. as I have several I could not remember all my auto payments and since my bank closed my old acct I could no longer view my old activity. So I figured I would get notified of a payment failing from XXXX  like many of my other creditors did. I did not recieve any notifications either through email, text, or mail that I missed a payment. I went to XXXX  in may to find out my card was declined. I called XXXX  card services and they stated my card acct is closed due to XXXX  30 day late payments in a row. I explained the Fraud that had happened to me, and told them I have not been notified about any failed payments or late payments. they also could not provide me with any proof they had sent me any notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX
Product: Credit card or prepaid card

I was in XXXX using my credit card through Bank of America/Merrill Lynch. The restaurant we went to charged my card and said the transaction never went through and was cancelled. My wife then used her credit card to pay for the charge. I later found the charge went through while we were still in XXXX. I went to the merchant, but they refused to refund the charge. When I submitted a dispute with Bank of America, I informed them of the contact with the merchant and their response. I then provided Bank of America with a receipt reflecting the charge was paid for using my wife 's credit card and her name was on the receipt. I also provided them with a detailed report of the incident with specifics. Bank of America refused to refund without my wife 's full credit card statement reflecting the charged amount and her full account number. My wife and I keep separate accounts and wish to preserve privacy, so she has been reluctant to provide the information. Bank of America then re-charged me for the amount. The charge was on XX/XX/2019 in the amount of {$20.00} and I have evidence the charge was never paid for using my card.
Product: Debt collection

I recently had a collections added to my credit report. The collections was added this year ( 2024 ). I have not taken out any loans since my car loan XXXX years ago ( 2020 ). I even froze all my credit sometime last year as there was a data breach for the XXXX XXXX. I don't have incredible credit but I certainly don't need anyone making it worse for me. When this charge originally was added, I successfully disputed it and it disappeared from my reports. However, it was recently added once again. I disputed it once again and this time, it was reported that the debt belongs to me. I have never received any mail or communications regarding this debt and I've lived at my current address for over XXXX years and have has my same cell number for even longer. If I owed this debt, I would have been contacted and I would remember having taken this money ( I have never received any loan money ) but I haven't and it would be impossible for me to have taken out loans in the last year with my credit frozen. I don't know if someone has used my info to receive loans but I want this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of getting a home. After they checked my credit report after being denied I saw XXXX accounts that were not mine. I submitted a fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and said it was not me and they stop calling me but sold the account to someone and they reported it. I never had a credit card ever. I'm just starting to apply for cards. And they can't tell me where the card was used or for what it was used for. They have no proof but reported this to the credit bueral and they are dening me credit now. I'm XXXX the person that appied was in thier XXXX 's. This is not me and this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Product: Debt collection

all calling my cell no they are debt collector using different names all the times and different companies also
Product: Money transfer, virtual currency, or money service

I was in the process of hiring XXXX XXXX XXXX, XXXX to do a new concrete driveway at my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All communications after visit to site on XX/XX/22 were via email and phone calls from XXXX XXXX. I have emails dated XX/XX/22 - XX/XX/22. The actual scam began on email dated XX/XX/22 when what appeared to be XXXXXXXX XXXX message saying they would work my schedule after my walkway work was completed but they would need 40 % down which I sent via XXXX ' through my M & T Bank account. Since I had been communicating with XXXX via emails and text messages, I was led to believer it was actually him. It wasn't until XXXX when I got a message from XXXX XXXX XXXX saying their email was hacked and not to respond or send money to anyone. 
I have the emails and some text messages. Please help. I called my bank fraud line and filed a claim which they denied. The amount of the fraud is {$2300.00} sent via XXXX XXXX M & T Bank on XX/XX/22.
Product: Mortgage

In XXXX, Huntington Bank put force-place insurance on my home mortgage despite my insurance agent sending them proof-of-insurance two times. I was able to provide proof-of-insurance in XXXX, and the force-placed policy was removed. The escrow account was then adjusted to remove any charges of the force-placed policy. There was XXXX dollars owed for the cancelled insurance, and no net change to my escrow amount as a result. 

Despite this fact, Huntington Bank still charged me for the cancelled policy, and then reported me as late to the credit bureau despite me paying on time. 

This has happened to me multiple times with this company.