23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was calling interested XXXX  phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. 

XXXX  Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.
Product: Debt collection

I called to verify dept in the amount of {$130.00} on XX/XX/2022 @ XXXX and after about 5 min on the phone was harassed and was told they would persue further action if I didn't pay the bill, for saying i wasn't gon na pay them and would handle it with original creditor if the statements he made were correct. The third party collection agency is IQ data international IN. I called the secretary of state and was told there was no surety bond filed which is a violation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered that i could no longer transfer money from my unemployment debit card to my bank account. This is problematic because I specifically choose the debit card for this feature, as I pay my rent through a check and the direct deposit system was so buggy. 

The fee to transfer is still listed in the fee schedule and Im now informed that all transfers are now not possible, even over the phone. This feature being frozen ( without any notification ) changes the terms we agreed to, and freezes many people out of their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX  account that doesn't belong to me, yet it is showing up on my personal consumer report
Product: Credit reporting or other personal consumer reports

I have requested debt validation numerous times from American Express. They have failed to validate the debt. In addition the company is showing the debt is charged off, but has not provided me with a 1099C. American express has charged off the amount owed and has benefited from the charge off tax wise without completing their obligation to provide a 1099C. Amount charged off {$7400.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about several issues with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute through TransUnion Credit Bureau and I have called the company twice on XXXXand XXXX. The name of the company is XXXX XXXX XXXX. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. XXXX XXXX XXXX claimed that an investigation was initiated, but this information is still included on credit report.
Product: Credit card

XXXX XXXX has violated terms of service in award of MR points for the XXXX Platinum card. Points awarded on the card were frozen without notice, XXXX reps are unable to elaborate why, or provide a timeline for unfreezing. Point value frozen on the account is over XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Student loan

On XX/XX/XXXX I submitted my IDR request as I kept receiving notifications that I needed to recertify my income driven repayment plan before student loan payments were to resume in XX/XX/XXXX. I received no communication from MOHELA that they had canceled and then denied my IDR until XX/XX/XXXX via e-letter that stated it was unclear whether my request was for recalculation of monthly payment amount for the income-driven payment plan I was on and alerted me to contact them, however, fortunately for me, I had already contacted them XX/XX/XXXX because I had not received any update regarding my IDR request. I was told by a MOHELA representative on XX/XX/XXXX that I qualified for the SAVE plan with an estimated {$600.00} as my monthly payment and was told this would take approximately 3-5 days to process. However, this ended up taking about a month longer as I did not receive my letter indicating it was processed until XX/XX/XXXX. I was also not advised that my loans were placed into an Administrative Forbearance until XX/XX/XXXX and wasn't informed until XX/XX/XXXX that four of my loans were not included in the forbearance by mistake. I was told by the MOHELA representative that her supervisor also confirmed this was a mistake and that a ticket to resolve my billing issues would be submitted, however, it has now been a week and a half and the issue is still not resolved as I have outstanding payments listed on my account. All of my correspondences from MOHELA have been significantly delayed and I've had to wait on hold of an excess of up to 2 hours at time when I try to contact them to resolve my issues. My credit and my public loan forgiveness is at risk because of their negligence and inadequate management of my loans. I have done everything appropriately and within a timely manner on my end, but feel I am continuously being punished and caused unnecessary financial stress by MOHELA.
Product: Student loan

I submitted a few complaints against Fed Loan Servicing. All of the complaints are denied by the company. Fed Loan Servicing simply uses copy and pasting from their rules/regulations and puts them into the reply section in the Consumer Financial Protection Bureau website. Fed Loan Servicing marks the complaints as being addressed / resolved, but what they copy and paste in has nothing to do with my case, and they never actually address my concerns. Those cases are marked as " resolved '' now, but they really are not resolved at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( XXXX, EXPERIAN, and XXXX ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.
Product: Debt collection

In XX/XX/2021 Portfolio Recovery Associates added a collection from XXXX XXXX XXXX XXXX XXXX on my credit account for the amount of {$960.00} I don't know what this is and this doesn't belong to me, this account was not legally validated and I need them to delete this unverified and inaccurate account that is negatively hurting my credit report.
Product: Vehicle loan or lease

Vehicle was totaled out XX/XX/XXXX. Ally financial received all but about {$3000.00}. We had gap insurance and had followed up with the Ally several times as the credit reporting still reflected a balance owed. After calling the company several times in a 6 month period I was told that we had some payments deferred due to a death in the family so the gap insurance would not pay. I did not get this information from them until the end of XX/XX/XXXX. Ally told me at that time that XXXX, XXXX and XXXX payments were delinquent. Interesting that they didnt charge any payments from XX/XX/XXXX until XX/XX/XXXX. It is extremely hard to get anyone in that organization not help you. I am concerned that there was no disclosure provided that advised that the gap insurance would not cover at the time we had the payments deferred. Now I owe a balance of {$2400.00} to pay off the loan and they hit my credit report with 90 day late payments. Their customer service agents are no help and we are unable to make online payments as the account cant be found. I advised them that we had to replace the vehicle but could not afford to make a {$410.00} payment but they are unwilling to work with me. They just keep dropping my credit score.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Charge-off {$710.00} XXXX  XXXX Repossessions {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.
Product: Credit reporting or other personal consumer reports

Hello, I went into XXXX XXXX dealership on XX/XX/XXXX with a pre-approval letter from my credit union and informed them that I would be purchasing a card via check from my credit union. They asked for my social security number anyways because they work with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They said it was standard procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to. They assured me that the would not and that they could not by law without my permission. As I am waiting in the dealership lobby, I get credit monitoring alerts saying that i have multiple new hard inquires that were just added because the dealership ran my credit. I immediately stormed into the finance managers office asking what happened and reminded them that I did not give them permission to run my credit since I already have a pre-approval and check through my credit union. They immediately started trying to lie and make excuses about why they had to run my credit. I let them know that again for the sixth time that I did not give permission and that what they did was illegal. So here I am now trying to get this corrected. I have all of the documentation showing my pre-approval letter from my credit union before entering the dealership and also proof that I paid with check from the same credit union. The people at XXXX XXXX in XXXX are doing illegal business and this must be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I had an account open with XXXX XXXX, under my business name. XXXX was closed by its parent bank BBVA. BBVA was supposed to have sent a cashier 's check with the funds in the account to my home address in XX/XX/2021, but after numerous contacts with BBVA / PNC customer service, they have not yet sent the funds.
Product: Credit reporting or other personal consumer reports

I did not apply for credit with XXXX XXXX XXXX XXXX XXXX. I did not apply for XXXX XXXX. 3 inquiries are on my credit file are fraudulent. Identity Theft Report Filed. Fraud.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX that was paid off in full in XXXX of 2023 A late fee that was supposed to be reversed was erroneously carried over into the balance after payment in full. 

A second late fee was then applied due to this mistake on XXXX XXXX XXXX behalf. 

After I discussed this issue with XXXX XXXX XXXX, both fees were successfully reversed by XXXX  ( as documented above in my statement ) and the loan was considered to be closed without additional payment on my behalf. 

I had called XXXX XXXX XXXX and discussed this adverse report. Since the account is already paid in full and close, they had explicitly told me to file a dispute with the credit bureaus as this was erroneously reported as an adverse event. I had asked them to make a notation in my account regarding this discussion. 

To clarify, this adverse credit report was due to an error made by XXXX XXXX XXXX. There were no additional payments required or made by me after my final XX/XX/year> payment. 

I had filed a dispute with Experian regarding this adverse credit report, but they had resolved the case as " Remains '' despite not asking for additional information. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  ) during bankruptcy, failed to acknowledge payments. 

XXXX address XXXX XXXX XXXX, XXXX, Michigan XXXX after bankruptcy & ignoring complaints. Changed company name to " Carrington Mortgage Services LLC '' XXXX XXXX XXXX also in XXXX XXXX with SAME Phone # XXXX XXXX XXXX Carrington & XXXX SEEM TO be the same people with XXXX XXXX XXXX XXXX, XXXX Using different LLC company and abusing bankruptcy to escape liability. 

There is no proof that either XXXX or Carrington are authorized to service the mortgage or to charge extra fees & interest, while refusing payoff of the mortgage. 

I'm filing this complaint as " Proof of Claim '' against XXXX as guided by the XXXX XXXX XXXX Bankruptcy Letter I received from XXXX. In XXXX, XXXX XXXX XXXX XXXX XXXX ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX , despite XXXX being registered as the lien holder. After a complaint XXXX & XXXX was filed with CFPB, XXXX insisted they are no longer responsible for mortgage stating that XXXX XXXX XXXX XXXX XXXX ) bought out the loan. There is NO record of XXXX registered with OHIO as a lien holder. XXXX bank account at XXXXXXXX XXXX ( Acct # XXXX ) was CLOSED when I paid the mortgage off in full. XXXX filed for XXXX XXXX  Bankruptcy & I was given until XX/XX/XXXX to file a claim agaisnt XXXX. XXXX denied they had the Lien previous CFPB complaints therefor, I am requesting XXXX send a Notarized Letter of RELEASE OF LOAN # XXXX ( XXXX Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Attached Files shows PayOff the mortgage in Full from XXXX XXXX to XXXX, XXXX Bankruptcy Letter
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/year> is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.
Product: Credit reporting or other personal consumer reports

I have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to XXXX, XXXX, and Transunion.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX