23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was out of work for a few weeks and missed 4 payments on my student loans. When I returned to work I made all past due payment in full. FedLoans reported the missed payment on my credit but instead of reporting the 4 missed payments overall they took each individual loan and marked it past due 4 payments so instead of 4 missed payment it reads as 20 on my credit report. I reach out to Fedloans and was given paper work to submit to correct the issue in mid 2020. I was emailed back and told that I had already requested changes to my account that were approved and nothing could be done further. I never made any request previous to fix this or any other issue and they are telling me all the information is correct when it not.

Details : I have one student loan account.

I am invoiced for 1 payment monthly I make 1 payment monthly Fedloans however reports it to the credit reporting companies individually. This has and is destroying my credit rating and is not accurate reporting.
Product: Checking or savings account

We had a CD IRA purchased on XX/XX/XXXX and it was a five year term. 
I called on XX/XX/XXXX to check about fees or penalty to transfer this to another bank. 
The gentleman said no fees/penalty because of my age ( XXXX ). So I decided to transfer or rollover this IRA CD to the other bank. I signed the papers from the other bank on XX/XX/XXXX to get the process started. The bank notified me on XX/XX/XXXX that the transfer was completed. I went out on XX/XX/XXXX and signed papers and etc. When I got home I was filing the papers and etc and noticed the amount of the original CD was {$760.00} less. 
I called Chase to find out why and they said there was a 2 % penalty of the face amount of the CD. I told them I was advised by another representative no charges! Plus nowhere on my paper work does it say what the penalty fees are for an early withdraw. I had one year left to finish the 5 year term. I do think this fee is very excessive and it was only paying 0.55 %. We called Chase to see if we could cancel the transaction and send the check back to them and they said no. They are ending the CD Retirement program. 
I would like my money back.
Product: Debt collection

I closed this account in XX/XX/XXXX, there was a balance of {$97.00}, that should not have been charged. I spoke with XXXX and was told the amount would be written off. Now 7 years later with no notice, Im sent to collections. I no longer have all my notes from XX/XX/XXXX. I spoke with XXXX XXXX at Enhanced Recovery on XX/XX/XXXX, explained the situation and was told he has put in a dispute with XXXX. 

I dont understand how 7 years later, Im sent to collections with no notice, is that legal.
Product: Credit reporting or other personal consumer reports

NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! Ive submitted proof of Identification card, Social Security card proof of address and FTC
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXXXXXX bankruptcy from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. Experian, XXXX and XXXX failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the
first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated report in XXXX XXXX  There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax XX/XX/2023 for a debt listed on my credit from XXXX XXXX. I asked the company to verify this debt on XX/XX/2023 with the CFPB and they failed to do so. I sent the information to Equifax as it had been 30 days since the request and the debt was NOT validated. Equifax closed my dispute as verified. How could this debt have been verified when its still open and unverified with the CFPB? Also no documents of proof showing verification. Equifax is failing to do a fair investigation according to the 15 USC XXXX XXXX XXXX section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC XXXX.According to : 15 U.S.C XXXX section 602 A. States I have the right to privacy. According to : 15 U.S.C *XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. XXXXs-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. Delete this account immediately before further action is taken. I also have my XXXX credit report which no longer lists this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter of verification to XXXX, Equifax and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I entered Chase w/ a XXXX Letter of Guardianship to request my husbands addition to my account. The Branch Manager ignored a NV District Court Judges orders and denied my right to  sign on my husbands behalf. I filed a complaint on XX/XX/XXXX and another w/ the exec office on XX/XX/XXXX. To date, I have yet to receive an appropriate response. Since XXXX, the investigator on this issue can not return phone calls in a timely manner, I have left countless messages/requests for her managers to return my calls. Im regularly told theyre in meetings or on another call, Im assured theyll call you back as soon as possible. XXXX from their Special Ops dept., not a case investigator, called me, the call was unprofessional, inappropriate & filled w/ derogatory & discriminatory references to my husbands illness. This is outright discrimination against a XXXX individual. Chase was never provided with ANY information regarding my husbands condition. They were provided a Court ordered Letter of Guardianship granting me permission to act on my husbands behalf which they refused to honor. This is contempt and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX years I was disputing negative accounts due to fraud. 
They never investigate properly and i remain in bed credit for XXXX years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXX XXXX fraud negative accounts are still not deleted.
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 disputed items despite the evidence I provided, causing ongoing harm to the 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: Credit reporting, credit repair services, or other personal consumer reports

Financial Institutions have a responsibility to report accurate information. Nelnet INC being a transfer agent, a fiscal agent of the United States, and a company registered with the Securities Exchange Commission ; has and responsibility to its investors. Nelnet INC has refused to credit my accounts with the dividends payments they are stealing each month. Nelnet INC has been given multiple securities and notice to credit it to my account according to the Securities Exchange Act. Nelnet INC instead tried to Coerced payment by threatening to report bad information on my consumer report. Nelnet INC was given a written letter from me in accords with Regulation P of the Federal Code of Regulation. After receiving my Opt-Out notice Nelnet INC continues to report this false information on my account. I will attempt to Opt-Out again ; I hereby Opt-Out of any consent assumed or presumed by Nelnet INC to report any of my nonpublic private financial information to 3rd parties. If this is not corrected within 15 days I will making a formal complaint with the SEC against Nelnet INC ; I will also be filling Treasury Form 211 to have the account audited. An Identity Theft report has already been filled and rejected by Nelnet INC. Nelnet has violated multiple Federal Laws some of which are in the attached Memorandum of Laws titled " Consumer Laws. ''
Product: Mortgage

I just submitted XXXX and forgot to include this additional info and the system wo n't allow me to update the original complaint. On XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX and on XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX, both with SPS. I had questions about my account transfer and payments and on both occasions I brought up the question if I was going to be okay with that escrow amount remaining at the end of the loan. Both of them notified me that I would and that I would simply see that amount each month on my statement, but that I only needed to pay the normal monthly payment. These are two agents now with SPS that told me everything would remain the same.
Product: Debt collection

On  X/XX/2017    my roommate reported that I needed to ca ll Citi Cards to pay  my debt. They discussed the details of debt including amounts. I have not given permission to speak to anyone other then myself regarding my debt. They have violated my privacy and put mt in an uncomfortable position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation
Product: Credit reporting or other personal consumer reports

The Date of Birth is incorrect on my credit report. 
My correct date of birth is XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX is reporting false information on my credit report. They are reporting a balance of {$16000.00}. However, my actual balance is {$13000.00}. The account is paid up to XX/XX/2021. However, company has last reported a payments made inXX/XX/XXXX. This is a violation of the Fair Credit Reporting Act. This inaccurate information needs to be updated immediately on my credit reports. I have attached a copy of my auto loan statement as proof that I have an account with this auto loan company.
Product: Credit reporting or other personal consumer reports

My credit reports are inacurrate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.
Product: Credit card or prepaid card

American Express refuses to give me a credit line equal to persons similarly situated as me because of my age and gender in violation of 15 U.S.C. 1691, 15 U.S.C. 1691 ( d ) ( 6 ).

After displaying preapproval, followed by post-application approval, Amex failed to issue and send the credit card which was approved and failed to send me a letter stating that the application was denied stating the reasons for denial, as is customary and standard in the industry. However, upon calling customer service and requesting information, i was told that my application was sidelined and not handled like other applications because of my age and gender. Therefore, my credit-worthiness was not even a factor in deciding whether to extend or not extend credit to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I went shopping for a new vehicle for which was purchased through XXXX XXXX XXXX XXXX XXXX. However, there are several Hard Inquiries that were recorded in relation to this purchase. Pursuant to FCRA, all inquiries that are in relation to one purchase within a certain period of time, by law, only counts as 1 Hard Inquiry. All these Inquiries are in relation to this : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Dear XXXX XXXX XXXX XXXX, This letter is being sent in response to a listing on my credit report, regarding account XXXX. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692G, stating that your claim is disputed, and validation is requested. This is not a request for verification or proof of mailing address, but a request for validation made pursuant to the above name title and section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you, and that you are legally able to collect on this debt. At this time, I will also inform that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) that this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or company that represents you, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character. In addition, I am requesting documentation showing detailed invoices and transactions of the balance being requested. If your offices can provide the proper documentation as requested in the following declaration, I will require at least XXXX days to investigate the information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consider legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I signed a rental agreement with the company XXXX XXXX, the next day the company gave the keys to another apartment completely different from the one I had agreed upon. For this reason, I opened a small claim process against the company that was ordered to reimburse me on XX/XX/XXXX. Acting in bad faith, the company included my data as a debt and has been harming my credit history for two years, I would like the company to correct your mistake and repair the damage caused by your own mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX a payment of {$220000.00} was made to an account balance where the total monthly payment was only {$1800.00}. The total paid was applied to loans XXXX out of XXXX and was also supposed to go towards the monthly payment. The representative on the phone spoke to us and said that everything was paid and we would not have to worry about the monthly payment that month because this {$220000.00} was also being applied to the monthly payment of {$1800.00} as well. Fast forward to XXXX XX/XX/XXXX we make a payment of {$1700.00} that is due on XXXX XX/XX/XXXX which does not show up on the account until XXXX XX/XX/XXXX because of the weekend and we get a late payment notice and call HHloans back only for them to say that it should not be applied as late because of the payment that was made of {$220000.00} AND the payment of {$1700.00} that was made on time but their system processed it as late. A few days later it ends up on my credit report for legitimately XXXX minutes as being delinquent and then appearing as paid. There is absolutely no way that something like that gets resolved that quickly and it is an absolute error on HHloans part. We reached out to XXXX for a dispute and they contacted them only for HHloans to say the information was accurate that we missed a payment. This is horrible business and is limiting my ability to purchase a home because of the error of an HHLoans employee or system failure. Please help me get this resolved.
Product: Debt collection

I do have a debt with the company, however, they call me 3 times a day, 7 days a week. There are a couple of days and times they have called 4 times, or hung up and immediately called right back
Product: Checking or savings account

On XX/XX/XXXX, I was offered a position with a company that ultimately proved to be a scam. They requested that I purchase {$400.00} in gift cards, claiming the funds were intended for an orphanage. After purchasing the gift cards, I attempted to return them immediately ; however, the store did not accept returns for gift cardsa policy that was not disclosed prior to purchase. I did not redeem the cards.

I then filed a fraud claim with Wells Fargo under the reason Goods or services not as described, and was initially credited the {$400.00}. Despite an assurance from a Wells Fargo representative that the claim would be processed smoothly, the claim was denied on XX/XX/XXXX. Additionally, I was informed the review process would take 10 business days, but this timeline was not honored. After contacting them again, they reopened the claim, yet the extended and inconsistent handling of this process has been frustrating and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX