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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIA
TELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

Capital One has negligently investigated a timely dispute on a card holder 's account. They claim 100 % fraud protection and did not even allow their own consumer a chance to provide evidence during the investigation period. I have abundant evidence that the transaction was fraud and they do not want to take responsibility that their investigation team did not look at all the evidence. Capital One claims that their investigation process is done by contacting the Merchant in a transaction and solely reviewing any evidence from the Merchant. There is no opportunity given by their own customers to explain, provide evidence, or rebut any information provided by a Merchant. Capital One owes a duty to their consumers to conduct reasonable investigations in fraud transactions but they have violated said duty. See attached letter for full information regarding the fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, XXXX XXXX refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that XXXX XXXX closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that XXXX XXXX had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called XXXX XXXX frustrated because they promised that they would update my information but never did. XXXX XXXX was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. XXXX, XXXX, and Transunion ). The first dispute that I filed was practically ignored because XXXX XXXX reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested XXXX XXXXl to send me the necessary documents that I needed to prove that I was correct and show that XXXX XXXX was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for XXXX XXXX to correct everything and they havent. How can XXXX still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with XXXX XXXX, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what XXXX XXXX says and refuse to make the corrections that I have sent proof of. XXXX XXXX has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from XXXX XXXX, and I am now at my wits ' end. Im hoping you can correct this for me and hold XXXX XXXX accountable.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to report this establishment. 
Lend Nation XXXX XXXX XXXX XXXX, Ky XXXX I went up to lend nation to get a loan. I was told that a loan was already taken out for {$500.00} under my account information. 
I did not authorize this loan. The signature does not match my signature. I also was somewhere else while this loan was getting taken out. This was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. This has been a rough time during the phases of my life, as well as the Covid 19 and the impact that it had on both me and my loved ones.
Product: Credit reporting or other personal consumer reports

I Have a Fruad account appearing on my credit report.

1. XXXX XXXX XXXX {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate request. 

I received documented proof of my XXXX  student loan accounts being in forebaerance from the XXXX company a couple of weeks ago, I submitted that proof to the Experian, XXXX and XXXX   company to have the incorrect late payment status for the months that the loan was in forbearance status to have my file corrected, I will attach the letter sent to me by the XXXX company again, which shows proof that this loan was in forbearance status from the company themselves. I will attach proof that the XXXX and XXXX company have corrected my record, but the Experian company continues to report these wrongfully reporting late payment dates even after receiving the same documents that was validated by the XXXX company to XXXX and XXXX, also experience is doing the same thing with the wrongfully reported chapter XXXX bankruptcy on my name. XXXX and XXXX have corrected the record for this and Experian has not. I will attach all the same info that I sent time and time again to the Experian company to show proof that they continue to do what they want and not what the law say, and I will also point out that this is considered slander of my name. please remove these inaccurately reporting lates from the navient company and the inaccurately reporting chaptyer XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A 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

Experian is making it difficult to manage my credit freeze. 

I originally froze my credit years ago. I never received the " pin '' from Experian in the mail. 

On XX/XX/2021 - I attempted to unfreeze my credit. 
- Followed the website guidance, created an account, no interface to manage credit freeze, offered a paid service called " XXXX ''. Clearly misleading information. 
- Experian hid the credit freeze service, so I searched XXXX to find the Experian website to manage credit freeze. I filled out the information, it failed to work and required me to send in a snail mail letter with a bunch of personal information. This would clearly take several days to resolve. 
- I called their customer help number ( XXXX ) XXXXXXXX during normal business hours. The prompts never let me talk to a human. The system hung up on me 3 times. 
- During three attempts, it asked " If I would like to have my pin sent via the mail '' again it transferred me and dropped the call. 
- I tried their online chat service, it was mostly unavailable, stating " All chat agents are currently assisting other customers ''. The three times I was able to " get in '' the chat service had an error, " Sorry, an internal error has occurred and this chat could not be started. '' I had success unfreezing my credit with XXXX, XXXX, and XXXX. Experian is clearly making it hard to manage credit freezes, not following the law regarding time to freeze and unfreeze. Lastly, they are misleading consumers to pay for their " XXXX '' service.
Product: Checking or savings account

About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.
Product: Payday loan, title loan, personal loan, or advance loan

predatory loan, APR over XXXX  % after, taking out loan i discovered this wasnt clearly stated. This APR us illegal in Massachusetts
Product: Credit card or prepaid card

XXXX XXXX XXXX Commenity Bank XXXX XXXX XXXX XXXX Oh XXXX Last 4 of account XXXX Phone no. XXXX XXXX XXXX XXXX XXXX I phoned them concerning a XXXX charge for a yearly membership, that I opted out of when they sent an email a few months ago My balance was at 0.00 for a very long time. 
I recently relocated to Florida part time and just had mail brought by my husband. 
In it was a bill for XXXX now they want 40.00 late fees in addition and reported it it credit bureau. 
I just phoned them. Explained multiple times being transfered, with the last transfer telling me to call back during business hours time was XXXX I got nowhere. In addition Im have a similar issue with XXXX which previously was Commenity Bank as well, now sold to another bank and they too have reported late payments and gave some line about my payments being made online need to go thru new bank etc. I have XXXX info on them an d account with them, you get absolutely nowhere talking to them
Product: Mortgage

On XX/XX/XXXX I was told via email that my XXXX would be returned via XXXX from Bank Of America. It is now XX/XX/XXXX and still no check or money has been received by me for the amount of XXXX Here is the email that they sent me from XXXX. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 
XXXX XXXX XXXX. 
Protect your personal information before recycling this document. 
XXXX Complaint Response Correspondence received from : Consumer Financial Protection Bureau ( CFPB ) on : XX/XX/XXXX XXXX XXXX and XXXX XXXX : Ive carefully reviewed your correspondence and want to let you know our response. 
Our records indicate your loan was paid off in XX/XX/XXXX. Bank of America executed the enclosed Deed of Reconveyance on XX/XX/XXXX. For your convenience, we have enclosed a copy of the Note and your loan history statement. 
Our research confirms on XX/XX/XXXX, a payment in the amount of {$1400.00} was reapplied to your principal balance of the loan, with an effective date of XX/XX/XXXX. However, per your request a refund was sent to you via XXXX, for the payment in the amount of {$1400.00} on XX/XX/XXXX. 
Heres our resolution Please know Bank of America made some improvements to our home loan system to help us better serve you. While making these improvements, you may experience down time and an increase in our hold time with our services. Thank you for sharing the details of your experience with us. We sincerely regret the inconvenience and frustration this matter may have caused. Our goal is to provide professional, courteous and responsive service at all times. We apologize that, in this instance, we did not meet your expectations. 
Regarding your request for compensation, after a careful review, we have determined there is no reasonable factual basis to substantiate your request. Therefore, we must respectfully decline your request for compensation. 
Weve also included these case documents, which you may find helpful : Note Deed of Reconveyance Loan history statement Were here to help We understand that you may have experienced a misunderstanding or a miscommunication during your previous contacts with Bank of America. Your trust and your business are very important to us and your positive experience is our first priority. Thank you for the opportunity to address your concerns. 
Our clients are important to us. If theres anything else you need, please call me at XXXX, extension XXXX, Monday through Friday, XXXX XXXX. to XXXX XXXX Pacific. 
Loan Ending in : XXXX Date : XX/XX/XXXX Case Number : XXXX Page 1 of 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Resolution Specialist Regulatory Complaints cc : Consumer Financial Protection Bureau ( CFPB ), Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX, XXXX, and Experian in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I transferred XXXX dollars from my bank account in XXXX XXXX XXXX XXXX to my Wells Fargo account. The money went through and was reflected on my account for 3 days. I issues a check to my XXXX for the rent of XXXX dollars after my XXXX claimed the check, the bank reversed my transfer and the money has not been seen since then. I have been talking to them and calling them since XX/XX/XXXX and have not received any notice or compensation. My account right now is negative and they are threatening to charge for having a negative balance due to no fault of my own. Wells Fargo lied to me saying that the fund had been taken out by me and that it was my credit union 's fault.
Product: Debt collection

Original credit company, Comenity Capital bank XXXX New York & Company credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to Comenity but only can pay XXXXXX/XX/XXXX. So I settled for XXXX on XX/XX//21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but Comenity Capital Bank is still reporting the same account as a charge off. I then disputed with XXXX, XXXX and XX/XX/XXXX along with copies show proof but they only updated XXXX and all will not update to paid/settled for Comenity Capital Bank XXXX Even though the letter clearly references that the original creditor is Comenity Capital Bank. I am filing a complete because I need Comenity bank and credit bureaus to update my status to settled and not charge off with zero balance. Your assistance is greatly appreciated. Thank you in advance
Product: Debt collection

I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or this company
Product: Student loan

Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. 

It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. 

As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. 

Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. 

Thanks, XXXX
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 
At this time, I am requesting that you please delete and remove the following inquiries below due to identity theft HARD INQUIRIES 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 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.