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

To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX XXXX a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXXXXXX XXXX  has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Product: Checking or savings account

I am writing a complaint to Navy Federal for overdraft fee I have encountered. Despite having sufficient funds when transactions were authorized, I was charge fees due to lagging posting of chargers and credit. This issue is aligns with the recent CFPB findings with Navy Federal or similar practices where transaction settle with insignificant balances. I believe these acts are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My credit report dropped XXXX points because a credit card in a family members name decreased in debt by XXXX dollars! 

I want an investigation into Experian 's algorithm based on the Equal Credit Opportunity Act. I believe their tactics for evaluation are based on race and not debt. 

If I were a XXXX XXXX with the same stellar payment history for the last XXXX years I would have more than a XXXX XXXXXXXX XXXX. My score would be at least XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

My debit card info was stolen. When I first filed the claim with Cashapp the first time, I wasn't aware that my smart watch had been stolen and my digital wallet was compromised. I have had issues on other cards because of this as well and when I was filing the claim with that company they asked if my phone, tablet or smart watch had been stolen and I realized that maybe thats how I was compromised. I took my XXXX XXXX off to shower at the gym a few days before the charges started. I forgot to put it back on when I got out and didnt realize it until I got home. I called the gym to ask if it was turned in but they didnt get it and each time I went in afterwards I asked if it was found with no luck. On this account I have a total of 4 fraudulent charges. Cashapp initially denied my claims almost instantly so I re-filed the claims but they still instantly denied them with no explanation and still havent given me the paperwork used to deny me.
Product: Checking or savings account

I've had several different issues with block inc known as cash app due to fraudulent transactions and I tried several times to contact them and never got a straight answer or explanation of how these transactions was made and also disputed a few of them and still nothing was ONCED explained nor fixed they ended up just closing my entire cash app account for no reason and never give me a explanation of why it actually got closed to start with
Product: Debt collection

Company did not respond through the consumer Financial protection bureau portal and again is attempting to collect a debt that is not owed. 

Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) as amended by this Act, is amended by inserting after paragraph ( 6 ), the following new paragraph : " ( 7 ) NEGATIVE INFORMATION. " ( A ) NOTICE TO CONSUMER REQUIRED - IN GENERAL,- If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
* ( B ) TIME OF NOTICE* IN GENERAL. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
" ( C ) COORDINATION WITH OTHER DISCLOSURES.-The notice required under subparagraph ( A ) - " * may be included on or with any notice of default, any billing statement, or any other materials provided to the customer ; and ** ( i ) must be clear and conspicuous. " ( D ) MODEL DISCLOSURE DUTY OF BOARD TO PREPARE -- The Board shall prescribe a brief model disclosure a financial institution may use to comply with subparagraph ( A ), which shall not exceed XXXX words. " ( I ) USE OF MODEL NOT REQUIRED -No provision of this paragraph shall be construed as requiring a financial institution to use any model form prescribed by the Board. * ( ) COMPLIANCE USING MODEL A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any such model form prescribed by the Board, or the financial institution uses any such model form and rearranges its format. " ( F ) SAFE HARBOR A Financial institution shall not be liable for failure to perform the duties required by this paragraph " if, at the time of the failure. 
the financial institution maintained reasonable policies and procedures to comply with this
Product: Checking or savings account

On XX/XX/XXXX, I went to the TD Bank locates at XXXX XXXX XXXX in XXXX, Fl in ref to an account being opened in my name. I received a statement from XX/XX/XXXX-XX/XX/XXXX with a XXXX balance. The bank rep, XXXX XXXX XXXX, said the acct was opened on-line and they immediately closed it. I informed them I had my personal info compromised in the IRS release of info and had a police report for that. I had a police report written for this incident. 
In the last week I have received two ledgers with checks and deposit slips for my new acct wITH TD Bank, each with a different acct number. Both ledgers were sent to my house. I called their Fraud dept and after being on hold for 30 mins, was disconnected shortly after the fraud employee answered the phone. I called back and have been on hold for 25 mins again after explaining to the receptionist I am a victim of fraud agai with their bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my Experian, XXXX  and XXXX  Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Product: Student loan

Citibank  student loan has inaccurately represented its actions in regards to my loan. I did not receive any such letter indicating my loans would be transferred to  XXXX . More importantly  XXXX  and Citibank utilized the same PO Box/billing info, this is the main reason my accounts defaulted. All of my payments were received by discover and the excess were applied to the principal. I contacted bot h Citi  and  XXXX  to try to resolve this issue and I have yet to hear from them. I am writing this complaint in an effort to show how the  XXXX  institutions mishandled the transfer of my account and as a result causing consumer harm. CFPB is my last and best effort to work with the  XXXX  institutions to resolve my debt. It is hard to understand why Citi nor  XXXX  would not try and work with me despite the damage done to my credit. Where i s Citibanks  and  XXXX  social responsibility team in all this??? if you visit their page each company will paint a picture advocating how they are working to help people but when actual consumers ask for help they are all business. If corporations like Citibank and  XXXX  are not willing to take responsibility for their errors, CFPB is the lower class last hope of fairness. If this happen to me there is a big chance others are suffering from the same issues.
Product: Credit reporting or other personal consumer reports

I paid XXXX insurance and then switched insurance companies in XXXX  2024. XXXX continues to harass me since XX/XX/year>2024 and now has impacted my credit score with a derogatory. XXXX turned me into a debt collector. I do not owe XXXX  anything.
Product: Debt collection

Collection was added to my credit report by XXXX XXXX for {$640.00} on XX/XX/2018 which has already been taken care of.
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, CCS-Credit Collection Services, collecting on behalf of XXXX XXXX XXXX XXXX CCS is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Product: Vehicle loan or lease

I am in the XXXX XXXX XXXX. I supplied military orders to the creditor, in writing and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a second set of orders were supplied XX/XX/XXXX. 

There was no action taken to cap my interest rate at 6 % per the protections of the SCRA military benefit for reservists being called to XXXX XXXX service. 

I supplied multiple examples of SCRA benefits being applied by other creditors, but received no response. XXXX XXXX a VP at central bank, with little explanation on reason for denial of benefit. 

Please help me rectify this.
Product: Checking or savings account

Im deposit XXXX, and the company lie, sayin XXXX, i need the video recording, for the atm to show you, i have XXXX bills of XXXX and no only 2 wath the bank say, my money is Stolen from the bank
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XX/XX/year> Equifax : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : XXXX of Inaccurate Credit Reporting Under 15 U.S.C. 1681o Civil Liability for Negligence & Non-Compliance To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies, creditors, and collection agencies are required to maintain accurate and verifiable consumer credit information. Failure to comply with this federal law subjects violators to civil liability for negligence and non-compliance. 

The following accounts are inaccurately reported, unverifiable, and must be investigated and corrected immediately : 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 Pursuant to my rights under the FCRA, I request an immediate investigation into these accounts, as I believe they contain inaccurate, outdated, or unverifiable information. I demand that the listed accounts be validated or deleted from my credit report. 

If you fail to comply with this request within 30 days, I will exercise my right to take legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil liability for negligence and non-compliance under 15 U.S.C. 1681o.

Please provide me with written confirmation of your investigation and any changes made to my credit file. You may send your response to the address listed above.

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

XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX  account and was removed from my credit report due inaccuracies. Equifax put the account back on my credit report.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PORTFOLIO RECOVERY ASSOCIATE is attempting to collect XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX .
Product: Student loan

PHEAA sent 2 notices on XX/XX/2022 to my email claiming that the account was 26 days past due. 

I called on XX/XX/2022 and made a payment over the phone using my Debit Card. The transaction is listed as a pending pre-authorization and will be cleared by XX/XX/2022. PHEAA then sent another notification at XXXX on XX/XX/2022 well after the payment was already pre-authorized and handled. Additionally, PHEAA 's phone system claimed the account was 25 days past due, not 26 days past due on XX/XX/2022. 

I am being harassed by PHEAA, despite efforts made in paying a bill. PHEAA continues to deflect responsibility for this violation of rights. No human being deserves to be sent communications claiming the account is past due after a payment was processed regardless of whether the incompetent company fully received it or not. They can only address delinquency after a payment gets returned. Until then, they are to treat the payment as a payment. PHEAA agents have explicitly stated they would misreport to the Credit Bureaus if the payment didn't get processed on their end by 30 days past due for an account. This is concerning, because borrowers have no control over how PHEAA processes payments. In addition, for all we know, PHEAA agents may deliberately prolong this process just to retaliate against borrowers. 

Based on past experiences with this agency, agents follow protocol and do not truly understand who is in control. Then the agents become intolerable to deal with because they do not know how to deal with the public, those of us who become frustrated by the lack of knowledge from Representatives. 

Received twice on XX/XX/2022 ( once in the XXXX and once in the XXXX  ) : Hello XXXX : Your student loan account is almost a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. 

Failure to clear the delinquency could result in the following : Negative credit reporting Your account being assigned to a collection agency Delay or disqualify you from incentive programs that the lender may offer, such as co-signer release, interest rate reductions, and rebates If you haven't made a payment, please do so today. The easiest and fastest way to make a payment is online. 

PHEAA agents also ask repetitive questions every time I get a separate agent ( even if I'm being transferred ) like has my address or phone # changed since the last time I spoke to someone ( even if it was minutes prior ).
Product: Debt collection

On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ph XXXX from XXXX XXXX. The letter stated they represent a company in which I used to rent from and that I had a debt of {$3000.00} Of course I immediately called and questioned the debt. I was given the I had a right to dispute but the dispute could take some time and the only way to avoid the negative hit to your credit would be to set up a payment arrangement. I was not buying it and said when must I do this by. I was given to the end of XXXX. I called back XX/XX/XXXX spoke to the same lady. I was actually going to make payments to avid my credit being hit while I disputed the claim. Well at that call I was told oops it looks like when you said you wanted to dispute it back on the inital call it sent you to the credit bureau. I was like what? how? you said I had options but now I have none. Well you can pay the debt and that will at least show a XXXX balance. I was like Im not paying for anything until I know what for and if its even mine. I pretty much hit a brick wall. I contacted several attorneys who advised me I had rights. I contacted credit experts who said for me to send a formal request for validation. I sent it certified along with a letter explaining why and what I was disputing along with a time line and the ladys name. They received it on XX/XX/XXXX and I still have not received a reply or and correspondence as of today XX/XX/XXXX. I dont know what to do. I have pictures and emails to prove that I owe nothing. However the collections says they do not accept pictures or anything only payments. I call invitations homes the original party and they wont let me dispute anything or even talk to anyone. Its like I am trapped and they are trying to force me to pay something I am not liable for without even providing me the necessary info to make a sound judgement call. NOW MY CREDIT IS HIT with a XXXX $ bad collection. Please Help! XXXX XXXX File # XXXX creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since 2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full three years ago. Still reporting on my credit. Collection agency told me they would remove it completely from my report.
Product: Debt collection

Sent a debt validation letter, it had a tracking number and they received it on XX/XX/2020, the fair debt collection laws they are not allowed to contact me until they validate the debt in writing.
Product: Credit reporting or other personal consumer reports

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