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

After your re-investigation from report XX/XX/XXXX the following accounts are still reporting inaccurate information on my credit reporXXXX XXXX XXXX XXXX ACCOUNT # XXXX delete this account for inaccuracy because the payment history is incorrect. last payment date is incorrect your last payment shows XX/XX/XXXX is wrong and payment history show a different date for last payment date of XX/XX/XXXX. please delete immediately XXXX XXXX XXXX  ACCOUNT # XXXX delete this account for inaccuracy because the is XXXX different dates reporting for " the date of last activity '' TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. you can't report to different dates and years from the same creditor. 
this account reports inaccurately please delete. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX delete for inaccurate information because the payment history is incorrect. the last payment date on report is XX/XX/XXXX and this history shows XX/XX/XXXX. please delete because account is incorrect. 

Please expedite and send me a new report Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. Transunion and XXXX  are still reporting these accounts with an outstanding balance.
Product: Mortgage

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting on my credit file by XXXX and to bring to your attention your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

XXXX has reported late payments on my account for the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These reports are inaccurate, as the account in question was in a deferment status during this period, meaning no payments were due or required. Under the FCRA, XXXX is legally obligated to report accurate information, and these late payment entries are factually incorrect and damaging to my credit profile. 

Additionally, XXXX  failure to ensure the accuracy of the information reported violates my rights under the FCRA. Specifically, I am referencing : 15 U.S.C. 1681e ( b ) : Obligation to follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681i ( a ) : Requirement to conduct a proper investigation into disputed information when notified by a consumer.

I kindly request that you take the following actions immediately : Remove all late payment entries listed above from my credit report.

Conduct a thorough investigation into this matter as mandated by 15 U.S.C. 1681i ( a ).

Provide written confirmation that the inaccurate information has been removed and ensure that my credit report reflects the accurate account status.

Failure to comply with these requests may result in further legal action to enforce my rights under the FCRA. Please treat this as a formal dispute under 15 U.S.C. 1681 and provide a resolution within the legally required timeframe.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the inaccuracies have been corrected.
Product: Mortgage

I lost my employment on XX/XX/XXXXXXXX  and contacted Discover Home Loans on XX/XX/XXXX, providing a completed application for Mortgage Assistance ( Forbearance ). 

In the last 2 months, I have been required to provide over 20 pieces of documentation proving my unemployment and bank/mortgage account information only for them to ask for more bank statements after they delay a decision. 

On XX/XX/XXXX they asked for savings account statements and my XXXX mortgage statement. I contacted LossMit and made sure they understood that my savings statements are generated every other month and my mortgage statement wouldn't be available until the end of XXXX or beginning of XXXX. They indicated that was OK and to send the savings statement and mortgage statement when I received it. 

The savings statement was uploaded on XX/XX/XXXX and when I logged in on XX/XX/XXXX to upload my XXXX Mortgage Statement, I found my application closed ( on XX/XX/XXXXXXXX  ) due to missing documentation. 

I called Discover on XX/XX/XXXXXXXX  to find out why they closed my application without contacting me and spoke with a representative who told me that they had called me on XX/XX/XXXX and left a message. While I was on the phone with him, I reviewed my call logs and XXXX Messages to find one call on XX/XX/XXXX from an unknown XXXX number and a XXXX second XXXX Message that was complete silence. 

When I told the representative this, he said he was sorry but the records indicate they left a message and you should have called back. The number is a robo-dialer and you can't call it back ( I tried today ). 

Then the representative told me I have to send in another set of bank statements for XXXX, XXXX through XX/XX/XXXX in order to re-open my application. 

It shouldn't take over 2 months and 20+ documents, have your application closed with no notice and told they will reopen it if you send XXXX more bank statements. I submitted exactly what they asked for in XXXX and XXXX but they keep dragging it out and requesting more information. 

Meanwhile, my first lien mortgage was approved for forbearance at the beginning of XXXX and I only had to provide my notice of termination in order to receive their forbearance.
Product: Debt collection

To the consumer protection bureau, I have repeatididuy asked this company, Portfolio Recovery Associates, to stop contacting me, calling me and harassing me over a debt that they assume I owe them. I do not owe this company anything as they claim I do from XXXX XXXX. I have never ever had a XXXX XXXX credit card. I do not know how or why there is a collection against me on my credit reports ( all three of them ) from this company claiming that the account is original debated to XXXX XXXX. I have told them repeatedly that this is not a valid debt for me and it should not at al be displayed on my credit report. This is a fraud against me and I have had a security freeze on my account for years as a result of their hounding me. Check my credit reports and my social I have never opened up or authorized anyone to open up a XXXX XXXX card using my social security number. Sio whatever they think I owe them is false information and fraudulent and they need to stop hounding me and threatening me. I am a XXXX, a mother and I do not even live in California anymore. regardless, they have no right to pursue me and tarnish my credit because of this inaccuracy!
Product: Credit reporting or other personal consumer reports

DUPLICATE ACCOUNTS REPORTING ON MY CREDIT REPORT. XXXX & XXXX ARE THE SAME COMPANY. PLEASE DELETE THE XXXX  ACCOUNT FROM MY CREDIT REPORT. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit card or prepaid card

I have setup statement balance recurring autopay since account opening. My XXXX statement balance payment was {$920.00} which was due by XX/XX/XXXX. My statement balance autopay was triggered to pull exactly {$920.00} on XX/XX/XXXX. However, the autopay pulled my payment twice, XXXX on the XXXX and one on the XXXX in the amount of {$920.00}. Because of the two payment my next statement balance cut at {$820.00} which was due by XX/XX/XXXX I have noticed this system error on XX/XX/XXXX and requested to refund back one of two statement balance payment. Instead of refunding the agent performed a payment reversal. At this point I do understand that my statement balance is no longer {$820.00} and should be {$820.00} + the reversed amount of {$920.00} ( the system error double payment reversal ) Because of my statement balance autopay setup I did not worry about checking if the autopay will pull both the reversed amount and previous statement balance amount. In the end the auto only pulled {$820.00} instead of $ XXXX {$920.00} and considered me delinquent and charged {$11.00} of interest. This is obvious system error that I was initially put into this in the first place because Goldman pulled more the required amount to pay. This seems illegal use of autopay where banks are pulling more than authorized and also more than required to pay.

I did complain about this and explained very clearing what caused this interest and the agent kindly waived the {$11.00} of interest. At this point I expected Goldman to take the initiative to watch out for any trailing interest that this will cause. As planned my autopay for statement balance was made and unsurprisingly I saw trailing interest of {$9.00}. I requested again to waive but the agent was not able to waive because of previous cycle {$11.00} interest waiver.

Because I have credit card knowledge I knew exactly what happened and clearly was the bank system error. I understand this can happen but share great concern to other Apple card user with less credit card knowledge just paying this interest which wasn't even supposed to have been charged in the first place. There was no proactive remediation steps performed and inhumane on all the interest revenue Goldman and Apple is collect at such global hardship time. Please investigate this and get Goldman to do a full remediation on not just me but the whole portfolio that was impacted by this. This should be both interest credit but correction on my credit bureau report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX  individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and XXXX, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Product: Consumer Loan

I took out an installment loan with cashland a subsidiary of cash america. I took out the loan for {$600.00} and by the time you add in their fees I will end up paying {$1500.00} because the finance charge was {$940.00} so close to triple the amount they gave me. They also did not give me any of the paperwork for the loan including the ach withdrawal authorization form. Only paper they gave me was payment schedule and amount they had financed. I think that is outrageous and shady business practices.
Product: Mortgage

I setup a payment online as I made previous payments on time with no problem. This was on XXXX I recently changed my Checking account number due to a car theft ( check book was inside car ). Went online and made ( so I thought ) payment scheduled for XX/XX/XXXX. one week later I noticed nothing was deducted out of my checking account, so I called back and they said it would take 10 - 12 business days even though I made them before and it took about 48 hours to process. The Customer service representative insisted nothing was wrong. Only to find out when I returned from vacation to find a late payment notice and an additional {$34.00} plus a {$25.00} submitting fee would be added to my account. I called back and the agent said they could not reverse the late charge due to not having a 12 month reporting history on my payments! THEY JUST BOUGHT MY LOAN, THIS WOULD NOT BE POSSIBLE!! I would like this removed from my account because I even followed up with them before the payment Due date and they did not want me to make a payment since one was processing.
Product: Debt collection

I had a total loss on a vehicle in XX/XX/2021. Payment in full was made XX/XX/2021. Negative reporting noticed on my credit report on XX/XX/2021. Started making calls to inquire. Check never received by BBVA. Stop placement was done on check by insurance agency. A new check was issued. Check from XXXX was then found and cashed and obviously had been stopped after a 2 month time frame and report of never receiving by BBVA. They deny receiving new payment as to date. I have spoke with at least 10 people with BBVA to get this situation resolved. I do have names and a ticket number. I also, have 2 emails now to XXXX without any return communication. I requested to speak to someone to get a physical address. The insurance agency has agreed to send the check certified mail so that it may be tracked, considering the issue with getting payment to them. My biggest concern is the impact it is having on my credit score. I just sold my home and will need to purchase another and now have this delinquency that is not actually mine. I need help getting this payment processed and the negative reporting removed from my credit report. I am unable to get to anyone to help me after countless hours on the phone. ANY ASSISTANCE IS GREATLY APPRECIATED AS I'M GETTING NO WHERE TRYING CALL OR EMAIL.
Product: Credit reporting or other personal consumer reports

Re : Charge-Off Account XXXX DearBANK OF AMERICA I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form 3949-A to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form 1099-C that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision.as this credit card was a SECURED card, meaning i put down a deposit in case of account closure. So it is inaccurate to report a full balance of {$510.00} considering you kept my deposit. The deposit should have went to the balance. It is also inaccurate and unfair to report taxable income on my report. Any violation of the FCRA entitles the consumer to actual damages and monetary compensation. 
This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy.

Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form 1099-C within 30 days. Failure to comply will result in further action.
Product: Debt collection

Jefferson Capital System is reporting a debt that was involved in identity theft and fraud under my name. Im not aware of any such debt. As I never received any correspondence by this debt collector. Instead they reported this debt to the credit report agencies. Im requesting under an original contract and an actual signature that shows 100 % verifiable proof under the FCRA with 100 % accuracy that they have the LEGAL right to report this debt. If they are not able to provide 100 % verifiable proof and accuracy with my actual signature and a contract agreement the reporting should effectively be removed immediately from all credit reporting agencies promptly. Further reporting will result in me seeking legal remedy for violating my rights in the statues governed.
Product: Debt collection

Learned of debt following a credit check contacted servicing company to dispute collection via certified mail have yet to receive correspondence from agency. Did not approve or utilize any contracts or business to be conducted with any affiliates of this company.
Product: Credit reporting or other personal consumer reports

I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency XXXX that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report I was not up to date and says I was charged off experience has requested proof from several time to validate my claim I have provided a letter from the merchant stating my account was paid in full experience has refused to act knowledge the proof they have requested its dated and nothing is being done
Product: Credit reporting, credit repair services, or other personal consumer reports

HSN credit card closed recently without my consent witch it had negative impact on my credit report its been a very stressful time during covid 19 especially here in state of California why would the credit card close my account I have not used it because I at this time can't use it financially for me its not the right time to purchase items on HSN but there is no good reason for company to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I asked that they reinvestigate, XXXX and XXXX on my report. Now according to FCRA you all supposed to make sure information in consumers profiles are reporting accurately. Can you explain how a charge off is 100 % paid off with a {$0.00} balance be a charge off with a {$0.00} balance. Someone is clearly not doing there job and this inaccurate information should definitely be deleted from my profile if it is paid off.
Product: Vehicle loan or lease

I called try talking to them and see if they can refinance the car and they denied, it was to expensive for a car payment I was never late on a payment, but my XXXX XXXX so I called and said the car is going to be at this location if ya want to get it back I never had a struggle with them and I comply to make it easy for them. The car payment was really HIGH. 

After I signed up with some company so they can take care of that situation witch they did. I have proof I payed it off. I wanted to ask if it can be taken off my credit history so when I try to apply for a loan that wont come up, or say I did paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Product: Debt collection

On XX/XX/2022 I disputed an overcharge with XXXX XXXXXXXX XXXX through XXXX. The amount of the contract was paid in full as documented with attached credit receipt and reservation contract. I had made several calls to XXXX XXXX XXXX 's XXXX number, and attempted to also reach the XXXX, HI office at XXXX. The calls route back to the XXXX number, or when pressing " 3 '' for the service counter, a message stating " your call can not go through '' is received. 


Shortly after disputing the overcharge of {$120.00}. received a letter from Viking Client. At which point several calls were made, an online dispute form made. This is not a valid debt and I am requesting that the collection be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.