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

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX  The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Delete these inaccurate accounts from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address several issues I have encountered with my lease agreement and payment processing with Koalafi. 

On XX/XX/year>, I began a lease agreement approved for {$650.00} with Koalafi, with monthly payments of {$57.00} for XXXX year. On XX/XX/year>, I opted to change the payment plan to a XXXX XXXX agreement. Despite not receiving any new paperwork for this adjustment, I continued to make the required payments to meet the XXXX XXXX terms. 

On XX/XX/year>, I paid the payoff amount of {$280.00} via the online portal. I received an email confirming that the payment was scheduled. However, my next contact with Koalafi was on XX/XX/year>, after my XXXX XXXX should have ended ( XX/XX/year> ), when I was notified of an overdue balance. 

Upon contacting Koalafi to resolve this issue, I was informed that it would be escalated to the case management team, and I would be contacted within XXXX days. Instead, I only received calls attempting to collect the debt. On XX/XX/year>, I called for an update and was informed that my case was closed because I had ample time to review my account and notice the payment was not processed. 

When I inquired about why I did not receive an email notifying me of the canceled payment, I was told that Koalafi does not offer such notifications. 

Attached to this complaint are : Emails from Koalafi notifying me of missed payments prior to XX/XX/year>. 
The email confirming the scheduled payment of {$280.00}. 
Payment logs up to XX/XX/year>. 

I request a thorough review of my case, a resolution to the payment processing issue, and appropriate rectification of my account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership they told me they were going to only pull credit from XXXX XXXX. However, i have a bunch of inquiries on my report that i didn't authorize. Inquires not recognized : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has place a collection on my credit profiles claiming that I owe {$640.00} to XXXX XXXX XXXX. I've NEVER had a card with XXXX XXXX in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was American Servicing Company ( ASC ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( Wells Fargo ) in XXXX  XX/XX/XXXX. ASC continued to report to the credit bureaus on the account although the mortgage was transferred to Wells Fargo, and I was then paying my mortgage to Wells Fargo. ASC reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from ASC still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( ASC and Wells Fargo ), and the one at ASC lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with ASC and Wells Fargo, all of a sudden Wells Fargo began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, Wells Fargo refused to change their report and so did ASC XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that ASC needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to Wells Fargo XXXX Additionally, Wells Fargo also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX = XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.
Product: Student loan

XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR ABOUT A YEAR NOW I HAVE BEEN UNABLE TO ACCESS MY EQUIFAX CREDIT REPORT & SCORE. WHEN I LOG INTO MY EQUIFAX PORTAL, IT SAYS CALL CUSTOMER SERVICE. WHEN I CALL THEM, THEY SAY NOTHING IS BLOCKING. 
I WAIT SEVERAL WEEKS TRY AGAIN AND SAME RESULT. THEY TELL ME TO SEND COPY OF DRIVERS LICENSE & SOCIAL SECURITY CARD. I DID THAT SEVERAL MONTHS AGO MY MAIL AND FAX AND I STILL CANT ACCESS MY REPORT OR SCORE. LENDERS HAVE COMPLAINED THAT THEY CAN NOT ACCESS MY FILE ALSO. IT IS CAUSING ME BIG PROBLEMS, NOT ABLE TO ACCESS CREDIT FOR MY REFINNANCING OF MORTGAGE LOANS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

My mortgage servicer has changed a number of times. In the most recent changes, prior to the latest change, the automatic payment continued without my intervention. However, last XXXX ( 2014 ) when the loan was transferred from XXXX to Nationstar, the payments did not continue. I received a notice from XXXX stating that " payments received after XXXX XXXX, 2014 will be forwarded to Nationstar. '' I therefore thought that my automatic payments would continue. However, on the next line it said that " ACH arrangements will be discontinued effective XXXX XXXX, 2014. '' More than XXXX months later I got a call from Nationstar asking why I was n't paying my mortgage. I was shocked and immediately paid the outstanding balance and setup automatic payments once again. A short time later I tried to refinance this loan, but was denied. My credit rating was low because of the incident described above. Prior to this my credit rating was fine. I have always paid my mortgage and other bills on time. I spoke to a representative at my local credit union and she said that " ACH arrangements '' is a term that she and others in the industry would understand, but that a homeowner would not. I did not know what it meant.
Product: Student loan

My monthly amount was supposed to be {$94.00} dollars, but my bill kept reflecting a charge of almost {$1300.00} due XX/XX/2023. I've been placed in admin forbearance, but now I don't know what my actually payment would be a month so that I can qualify my payments under the PSLF payment requirement. I attempted to call on multiple occasions before the admin forbearance kicked in, but I was often disconnected or I hung up after waiting over 2 hours for someone to take my call. Also, I consolidated my loans back in XXXX and my PSLF payments went to XXXX and I'm trying to see how many I actually have. Most of the important information on my account is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the inaccuracies reported on my credit report for the XXXX XXXX Bank account ending in XXXX. Despite providing detailed evidence, TransUnion has failed to properly investigate and resolve these issues. 

Key issues include : An incorrect balance of {$600.00}, with no payments applied, despite documentation of payments made. 
Missing payment history from XX/XX/XXXX to XX/XX/XXXX. 
Inaccurate delinquency reporting, including a XXXX delinquency after the account was closed in XX/XX/XXXX. 
Repetitive charge-offs listed multiple times, which is inconsistent with proper credit reporting practices under FCRA guidelines XXXX 
XXXX continued reporting of inaccurate and inconsistent information violates my rights under the Fair Credit Reporting Act. I request that TransUnion investigate these discrepancies thoroughly and provide an accurate reflection of my credit report. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to have them removed. I am deeply concerned about the impact these inaccuracies are having on my creditworthiness and financial well-being. I hope that this letter will bring the matter to your attention and lead to a swift resolution. 
I understand that the removal of fraudulent items from a credit report is crucial to maintaining the integrity of the credit reporting system and protecting consumers like me from identity theft and its consequences. Despite my efforts and your obligation under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and correct inaccuracies, these fraudulent items persist on my credit report. 

I kindly request that your bureau take immediate action to thoroughly investigate and remove the fraudulent items mentioned above from my credit report. Furthermore, I request that you provide me with a written explanation of the steps taken to rectify these inaccuracies, along with a timeline for their removal. It is essential for me to have a clear understanding of the resolution process and its expected duration. 

Should these fraudulent items continue to appear on my credit report without any action taken, I may be left with no choice but to explore legal remedies available under the FCRA and other applicable laws. The following fraudulent items should be deleted immediately by the credit bureaus : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are : XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I| provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

I was getting at least 4-5 calls a day for about 5 months, due to my continued debt. 
I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of XXXX XXXX and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
Midland Credit Management # XXXX # XXXX # XXXX
Product: Credit card or prepaid card

I have been paying off my debt for past year. Making 13 payments in 12 month period and about 150 percent above min. payment. Last month i saw that i had late payment. 
since i been paying on 4 week basis i made ( 2 ) payments in XX/XX/XXXX and XX/XX/XXXX for XXXX. but they counted is as XXXX payment and issues a late fee. I talked with them and they would not wave a payment. 

The bank is XXXX  XXXX Master Card  XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX My name is XXXX XXXX
Product: Student loan

I was on a repaying option until XXXX 2017. I got a letter asking to call in to get back on it. I did before my XX/XX/XXXX bill was due. I gave them a lot of financial information and they said I no longer qualify. I am not sure why I do n't since I get paid the same and I have the same bills as before. On my payment plan, I paid {$300.00}, the next month off of it they wanted {$330.00}. I paid it so I would n't be late but I do live paycheck to paycheck and if something big was going to happen like if my car stopped working, I would have no money to fix it and then I could n't go to work to have money to pay any bills. Now, they are saying that my bill is {$400.00}. I can not do that. {$300.00} was difficult for me. They have never given me any options or told me what they can do to help. I also do not understand why my payment is going up every month.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022