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

All I know is this account is on my credit report and I tried reaching out to them I have no knowledge of this account and I sent letters and tried reaching out to them on the website nothing
Product: Credit card or prepaid card

I was currently married to XXXX XXXX XXXX XXXX we havent filed for divorce but I was kicked out from my mailing address in which my EDD benefit payment debit card was sent but unfortunately my ex-wife decided to activate it and spend my benefit payment and lied to me about it not arriving yet called Edd they informed me card was activated on XXXX of the month XXXX. Very stressful and frustrating because I have no job I live in a hotel and shes keeping my money from me that is fraud and I wish to report this because its been very hard for me to get through with no job and no money now I need to find a way to transfer that money to my personal account and thats going to take more time for me to see any benefit payment balance was XXXX now it is at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late/not up to date with my student loan payments for a period - 90 days. A deferment/forbearance was granted and applied retroactively covering the time frame i was late on my payments.

Section 623 of the Fair Credit Reporting Act governs the responsibilities of furnishers of information to consumer reporting agencies. Specifically, Subsection 623 ( a ) ( 2 ) imposes a '' [ d ] uty to correct and update information. '' This deferment has changed TWO things. First it has brought the account up to date and current on payments. As a result the account is no longer delinquent.

Second and most important the lender 's records now show that my account is current on payments for the periods that include previously reported delinquent periods. Now this is key. It is important to note that as of now with theupdatedinformation your account is current with the lender. It is no longer delinquent because the deferment was applied retroactively.

As a result the furnisher of information has a duty under Section 623 ( a ) ( 2 ) to provide thisupdatedinformation to thecredit bureauand credit bureauis obligated under Section 607 ( B ) to report thisupdatedinformation on the consumer 's credit report.

XXXX   agent tried to argue that i was in fact late therefore that information is accurate. However i reminded him of their obligation pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information.

XXXX failure to understand that their current records show that the periods that were initially reported as delinquent are no longer delinquent due to the retroactive deferment.
Product: Credit reporting or other personal consumer reports

It was last year XXXX i was XXXX didnt know much about what i was doing i was on amazon and applied for a card not knowing itll leave a hard inquiry
Product: Checking or savings account

My account went negative for no reason multiple times in XXXX it was never solved and I had to close it. Wells Fargo continually double charged me on items and also charged me fees that were not agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts.

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Debt collection

I was served with papers to collect over {$6000.00} on a XXXX card I never had. I called the firm representing XXXX, Rubin and Rothman, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from XXXX asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. XXXX then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that XXXX has no records related to why I supposedly owe them $ XXXX.
Product: Money transfer, virtual currency, or money service

Convergent Outstanding does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. Convergent advised that they has since ceased collection in their office. I still have not been provided with the validation letter Convergent Outstanding keeps saying they have validation but is never mailed one to me and did not advise me of my right to dispute. Convergent Outstanding advised that they would cease reporting to the credit bureaus is a forming of pursing collections.
Product: Debt collection

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day SOUTHERN MANAGEMENT SY Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2400.00} Balance updated XX/XX/XXXX Original balance {$2400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Company Contact info SOUTHERN MANAGEMENT SY Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED Thank you
Product: Student loan

My student loan servicer, Nelnet, notified me via message in its customer service portal on XX/XX/2023, that the XXXX loans in my account had entered into an Administrative Forbearance, which had begun the day before, XX/XX/XXXX. 

Official correspondence from Nelnet ( attached ) stated that the Administrative Forbearance would be in effect between XX/XX/XXXX and XX/XX/XXXX, and the estimated interest to accrue on my loans during this time would be {$0.00}. 

Instead, interest continued to accrue on my loans each day of this period according to the usual rates. 

I emailed Nelnet 's electronic helpdesk on XX/XX/XXXX ( attached ) to raise the issue and ask for a resolution. The automated response stated that I should call Nelnet directly and insinuated that there would be no direct reply to my message. 

I called Nelnet on XX/XX/XXXX at XXXX EST and asked for an explanation and resolution of the situation. I spoke with the customer service representative for XXXX minutes. They offered to ( a ) remove the Administrative Forbearance or ( b ) send another letter stating that interest was accruing correctly on my loans ( and implying that the original letters were incorrect ). 

I refused both and told the representative that I'd file a complaint with both CFPB and XXXX for deceptive business practices. The representative had no other response other than to say " sorry. ''
Product: Mortgage

Loss Mitigation packet was sent to XXXXXXXX XXXX XXXX ( your attorney ) on XX/XX/year>. 

Also tried to send you message on your website regarding the Los Mitigation package and also tried to upload the package on your message section as well. 

Lots of call has been made to the customer service but to no avail, no one is picking up the phone, I have left multiple voicemails but no one called back. 

I need to know the next step in Loss Mitigation. 

I have been trying to reach someone but to no avail. 

I have been going through really tough time right now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the last year I have been back and forth with the credit bureaus about a Bank of America account that is reporting on my credit report I really don't remember having a bank of America account. The credit bureaus keep responding stating that I should contact Bank Of America because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with Bank of America which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the account is reporting on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXXXXXX XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX sent a message to me saying they were having technical issues with logging into my account. That was fine ; I pay this card balance in full every month. I had just sent a {$550.00} payment on the account on XX/XX/XXXX paying it off. I purchased gas for {$45.00} on the XXXX, and that was the only charge in the billing cycle. 

Today, XX/XX/2021, I received multiple notices from credit monitoring services that they had recorded a severe delinquency in my XXXX account, for {$45.00}. The balance is not due for another two weeks, but I paid it today anyways. XXXX is reporting that the {$45.00} is more than 120 days delinquent. 

I received a credit line increase on a different account today as well, in concurrence with my score drop. I find it highly likely I would have been approved for a higher limit increase had my credit score not been dropped erroneously by 40 points. 

Trying to call the company for assistance results in waiting on hold for hours while a message says they will help you in 30 minutes.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I'm baffled as to why. I reviewed my credit report like I usually do, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Due to this concerning issue, Im requesting a thorough review of the documents Ive sent so I can put this worry behind me once and for all.
Product: Credit reporting or other personal consumer reports

I have always paid my XXXXXXXX XXXX XXXX account ( Account No. XXXX ) on time and take my financial responsibilities seriously. Despite this, an inaccurate late payment has been reported on my credit file. I have also noticed inconsistencies in how the credit bureaus are reporting my payment status. For example, XXXX and Equifax show Paid or Paying as Agreed, while XXXX reports Current, was past due 30 days. This inconsistency violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ). It also breaches 15 USC 1666b ( a ), which states that payments received on time can not be treated as late. If this issue is not corrected, it constitutes willful noncompliance under 15 USC 1681n, making the responsible parties liable for damages of {$1000.00} per violation. 

These errors are unfairly damaging my credit score and causing me unnecessary stress. I request that this inaccuracy be corrected immediately so all credit bureaus accurately reflect my payment status as Paid or Paying as Agreed.
Product: Credit card or prepaid card

Hello ConsumerFinanceProtectionBureau, and Discover Financial Services I'm writing in dispute to my account. It appears my card has been skimmed somewhere, some how and for some reason. 

I'm requesting any payments made to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX or however it appears on your end, XXXX XXXX, immediately be reversed and returned to me as soon as possible. 

It turns out someone also made fake payments to my account just to keep flipping the balance back and forth. 

At this time I will not be accepting any calls, everything must be done through the CFPB Portal, or by email. 


I've attached a statement to verify myself.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my credit reports with XXXX, XXXX, and TransUnion by sending dispute letters with supporting documentation on [ XXXX XXXX ]. Despite their legal obligation to investigate and correct errors, the disputed items remain unchanged, and no proper resolution has been provided. These credit bureaus are currently being sued for similar violations, including failing to investigate and correct inaccurate information, which further supports my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I would like to have my credit report to reflect true up to date information that is accurate. my current address is XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries appearing in my credit report. They are : 1. XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX 4, XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was trying to purchase concert tickets while at work and found an ad on XXXX for 4 tickets for {$60.00} each, totaling {$240.00}. I started texting the person who showed me proof of purchase via XXXX email, a picture of an ID ( which may have been stolen ), and an email address ( XXXX ). They requested I use XXXX to make the transfer, which is the preferred transfer method through BofA that I have used before. I was under the impression that it was a secure money transfer method because it was through BofA and would not have to worry about fraud. Once I made the transfer, I never heard back from the person. After an hour and still no response, it was clear this was a scam. I called Bank of America to try to reverse the transaction and they said the charge was not able to be cancelled. I filed a claim with BofA and have yet to hear anything back. They mentioned this could take up to 45 days to process, and the likelihood of getting refunded was minimal to none. This was hard to believe from a company I have trusted for so long. 

Also of note - BofA was initially able to tell me that the receiving account was XXXX XXXX. I then called XXXX XXXX to try and track down the scammer with the email address linked to the given bank account. Because I am not a member of the bank, they dismissed my call and redirected me to BofA. This was extremely frustrating that the bank was not willing to investigate one of its potentially fraudulent customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 
Alleged balance : {$440.00} Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$440.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. CAPITAL ONE BANK must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

8. FURTHERMORE, XXXX has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, CAPITAL ONE BANK, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.