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

Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never 30 nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appeal to your service to have all three reporting services ( Equifax, XXXX, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.
Product: Checking or savings account

Attempted to pull {$500.00} from a Wells Fargo Bank ATM the money never came out, but it was taken out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.
Product: Debt collection

On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account numberXXXX 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 See Below for credit reporting account informaion : Experian Account XXXX XXXX XXXX Account numberXXXX  XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX XXXX Account XXXX Original creditor : 12 XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX/XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Product: Mortgage

Guaranteed Rate, Inc., " originated '' a loan on our home XXXX/XXXX/XXXX. Clause # XXXX says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it-XXXX, XXXX times in XXXX XXXX. Suddenly, after we sent the servicer, XXXX XXXX, a QWR on XXXX/XXXX/XXXX, GRI " assigned '' the mortgage-via MERS, who has no standing in Nevada-XXXX XXXX XXXX. The assignment was supposed to go into a XXXX, was way too late and not allowed even if it had n't been late. Either they lied about having an interest in the note, then assigned it illegally and late, or they told the truth about the note, and allowed XXXX to receive 2.5 years of mortgage payments and threaten foreclosure ( on XXXX/XXXX/XXXX ) when they had no authorization to do so. Also, they purported to be the actual lender, whereas the MERS report shows them as the servicer, nor di did they inform us that XXXX Bank was the lender, so they committed fraud from the very beginning. They also did not deposit the note into the trust as is required by the PSA agreement for XXXX. Furthermore, we sent GRI a Letter of Rescission on XXXX/XXXX/XXXX. They owe us either the XXXX mortgage payments and/or the closing costs. Another clause in the DOT : BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. '' I 'm contractually obligated to generally defend the title to the Property against all claims and demands. That is clear cut, and even if it 's ambiguous, the doctrine of " contra proferentem '' is applicable ; ambiguities are to be construed unfavorably to the drafter. GRI drafted the contract, not me.
Product: Mortgage

Mortgage company has been charging and excess fee since XX/XX/year> of {$30.00} this year. I have inquired to the company what is the fee for and being applied to, the representative could not inform me via phone. I requested a supervisor, the representative informed me it will take a " really long time. '' I waited on hold XXXX minutes and not one returned to the phone. He put me on hold awaiting escalation department. 
I was finally transferred XXXX, the previous representative a gentlemen never gave his name or ID number. He had not placed notes in the system prior to transferring me. 

He ( XXXX XXXX ) tried to explain the XXXX was an NSF fee from XX/XX/year>. This matter was reconciled as the mortgage company errounesouly charged an NSF fee on a payment in which I paid directly prior to the scheduled draft. 
As I explained the NSF fee is {$41.00} per their statement, I am being charged {$30.00} each month. The representative was not knowledgable of the company 's statement, basic computation skills and exuded the lack of regard to the facts stated and printed. 

Repeatedly requested a supervisor, then asked for the escrow department which is when I spoke to XXXX.
Product: Student loan

Since I've been involved with Navient ( Sallie Mae ), managing my student loans have become increasingly entangling and confusing. I tried to understand exactly what I was being charged and the best options that would be available to me over the course of the years but I was always pushed toward Forbearances and Deferments. It has become so overwhelming to defend myself against this major corporation when time after time I would reach out to discuss the best repayment options for me and to get detail on exactly what the best option would be for me, but the customer services representatives would constantly push me to the 'easy ' buttons on the website and just tell me to quickly apply online for the forbearance and assure me that 'I would be accepted '. Even when I was receiving minor income and/or state assistance, the answer would always be 'another forbearance '. Sometimes, the forbearances or deferments would be up to two or three months apart, even after explaining that I would need more time and clarification on the best options for me. 

No one at Navient ( Sallie Mae ) would spend more than five minutes guiding me on the phone, instead, they would tell me how convenient it would be for me to just go online and 'click on the buttons ' to apply for forbearance and/or deferment and 'upload my documents '. I also noticed what appeared to me as the egregious late charges, etc. and my loan would triple within months even after explaining my financial hardship again and attempting to get guidance. Navient created a vicious cycle for me, that I believe was applied maliciously. Oftentimes, when I would attempt to apply for repayment options on my own through the often hard to understand prompts, I would be denied and would once again be pushed to forbearances and deferments. I would like a further investigation into my case as I am in extreme debt with this company and am still experiencing financial hardship and confusion around the number of fees, and late charges, and options that I would have to the best path toward gaining loan forgiveness.
Product: Checking or savings account

On XX/XX/2019 I was scammed of all my money at Bank Of America by a company pretending to be XXXX. They took all my Bank account and savings funds and credit card limits. The Bank Of America emailed me of the activity but the scammers had loaded software that prohibited mt accessing my account. BOA should have called me.
Product: Debt collection

The service was canceled and paid in full at the closing of the agreement. threatened to contact the company and damage my credit history regardless of full payment, decried to give my a proof of collections. Collection company threatened to destroy my credit by putting in false report, mentally abused me and my family by calling us again and again. 

As for the proof, refused to provide me any.
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. 


XXXX # XXXX XXXXXXXX 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 : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has all 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 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: Debt collection

Was involved in auto accident XX/XX/2016, determined not at fault. third party insurance claim filed and insurance company missed payment to XXXX emergency physicians. Received notice of collection from creditor after settlement. Reached out to insurance company to pay debt which was completed. Company still has not removed debt from their records.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the address listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious and detrimental to my credit score in these days of theft and id fraud. I should have only XXXX address which is my current one I do not know the others. 

Address XXXX XXXX XXXX XXXX  XXXX, TX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Debt collection

My personal information was used without my knowledge and I was not aware of my ssn being used until I pulled my credit report on XXXX 2016.
Product: Student loan

I have been trying to make student loan payments to Edfinancial since XX/XX/year>. I enrolled in autopay. Every month since then they returned my payments every single time and then marked me past due. They claimed it was my bank but I spoke directly to them and that is untrue. I also went in person to my bank and spoke with an agent who showed me my account and proved they did not return the payments. The banker called with me in the office and the representative confirmed it was not the bank yet my account still says " Returned By Bank ''. I also have a " Autopay accepted '' notice stating the information is accurate and processing, yet every payment is still returned but now says " Payment Returned Notice '' instead of " Payment Returned By Bank ''. I called every month and got different answers every single time from each representative. I reached out to the customer service email in XXXX and received no response. I deleted my banking information and re-added it and re-enrolled in autopay numerous times as suggested. I expressed to the company this is completely unacceptable as I am XXXX XXXX military with a SECURITY CLEARANCE that can be revoked for past due debt, missed payments, etc. Anything viewed as financial instability can cause me to lose eligibility and lose my job. I demanded proof it was a system error and that it will " correct itself '' like they kept saying and they refused to provide it to me to give to the security clearance office. I also demanded information on how these " Past Due Payments '' will affect my PSLF consecutive payments timeline and they said " it will not count against me ''. When I asked why or how the answer was along the lines of " System error not your fault ''. When I asked how will you distinguish that the answer was " It'll get backdated and annotated ''. Never happened. I noticed today I have not seen anything about payments in my inbox and they placed my student loans into forbearance. I am so confused at this company 's practices at this point I have no idea what kind of business they think they are running. I can't even follow the situation anymore. I am not the only one, this is an issue many other borrowers are encountering. It is all over internet forums. You can't even leave reviews on their XXXX XXXX XXXX Page anymore because it is " Being Updated ''. Completely unacceptable and criminal practices.
Product: Payday loan, title loan, or personal loan

Good Morning, I fell victim to a payday loan scam through : Bright Lending, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MT XXXX. XXXX, XXXX XXXX XX/XX/2020 I was borrowed {$800.00}. I didn't realize what I had agreed to until after the loan was approved and I was given the payment schedule. I am now to pay, in 22 installments of {$200.00} each paycheck, {$4400.00}. That is a 699.9856 % interest rate. I've just learned that the maximum amount APR in the state of Minnesota is 390 %. I don't understand how any of this is legal to begin with. {$400.00} per month over the next year may very well bankrupt me. Thank you for any help you may provide. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a previous CFPB complaint that I filed on XXXX against RMC. On XXXX XXXX compliance Officer XXXX XXXX responded to CFPB stating that RMC will be removing the amount from my credit report. I called RMC on XXXX and asked when would they send in proper documentation to XXXX to remove this debt for my credit report. XXXX XXXX told me that she has someone that does that and will handle it. I called XXXX XXXX to make sure that the account was remove. I not only did I find out that its still there but also found out that RMC reported it XXXX after sending that they would have it removed XXXX according to the response from XXXX XXXX. XXXX updates daily. I call daily. RMC is FALSIFYING documents. The account amount should not only be changed but also the account should be deleted. In my attachment there is the Letter that RMC XXXX XXXX statement on XXXX. The report should not have reported as a collection. I would also like documentation from RMC stating that the account has been removed not that it will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXX/XX/XXXX XXXX Creditor : XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/20XX/XX/XXXX XX/XX/2022 XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and both XXXX XXXX and XXXX XXXX they conducted an investigation. I was notified by XXXX and XXXX that the account was no longer being reported and my report was updated. Experian, however, still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX JPMCB Card Account # XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Company Name : XXXX XXXX XXXX XXXXXXXX - Account # : XXXX
Product: Debt collection

I asked for validation of this debt. the company told me to call another entity to receive the the information I sought. I wanted a copy of the original contract with my wet ink signature. XXXX XXXX and XXXX stated they couldn't provide these documents. I want a investigation done immediately. if i can not receive physical validation of the claim i want this deleted off my report. the date of the claim is XX/XX/19 the amount is {$980.00}