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

I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Vehicle loan or lease

The APR is at 21.4 %. After 1 year of paying over {$670.00} a month I asked to lower the rate and they said they didn't do that. Ally financial is the lender
Product: Credit reporting or other personal consumer reports

The account has been paid in full as of XXXX 2023, but Midland Credit Management Inc refuses to accurately report this information to the credit bureaus. When I dispute it via the credit bureaus, the agency falsely reports back that the account has not been paid in full and also increases the balance due on the account monthly.
Product: Credit reporting or other personal consumer reports

The issue I am experiencing involves incorrect balance, missed payments, wrong status, and wrong reporting dates .This inaccurate information is being reported to the credit bureaus and is negatively affecting my credit. 

Despite my repeated attempts to resolve this issue directly with PHEAA. Navient, and XXXX XXXX, including calling customer service, sending written communication, or submitting disputes, I have not received a satisfactory response. 

I believe the reporting is not in compliance with the Fair Credit Reporting Act and may also violate other regulations related to student loan servicing and reporting. I am requesting that the CFPB investigate this matter and help facilitate the correction of my student loan account
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Product: Mortgage

This complaint is about COVID-19 forbearance repayment. The loan is in the name of XXXX XXXX XXXX ( maiden name ) I own a XXXX and my XXXX XXXX mortgage is serviced by Select Portfolio Servicing ( SPS ). I have a XXXX  living in my unit and I applied for and received COVID-19 forbearance relief. My COVID-19 forbearance relief ended in XX/XX/XXXX, so I applied for payment deferral in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made four timely mortgage payments in the amount requested on the monthly statement. SPS kept asking me for " missing information '' ( 14 letters ). I provided the same information over and over again either via the telephone or by uploading documentation to the website. 
Then sometime at the end of XX/XX/XXXX, I was told that my application was declined because it was past 90 days old. I resubmitted the entire package, only to get a loan modification offer. I declined the loan modification, asking that I be considered for the payment deferral. I started both application processes stating that I wanted a payment deferral, not any of the other options available under the CARES ACT : payment deferral, loan modification, reinstatement, or repayment plan. SPS said that it was no longer considering me for any repayment options because they had offered me one : loan modification. I want a payment deferral so that I can refinance my 6 % interest mortgage. SPS does not refinance loans, but if they only offered me a loan modification, that would allow them to hold onto my loan for another 12-24 months, before another bank would let me refinance. I think that this is why SPS only offered a loan modification, instead of the payment deferral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Product: Debt collection

Received medical bill from XXXX XXXX ( in XXXX, Florida ) for date of service XXXX totaling XXXX XXXX This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After adjustments from insurance, bill was paid. Received an additional bill from XXXX XXXX XXXX  for XXXX $ a few weeks later ( I am guessing due to XXXX  although nothing was specified ), which was never paid as I thought it was a scam and the original hospital bill was already paid. Noticed that my credit score dropped roughly XXXX points this past month ( one year after the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX and XXXX XXXX stated this was due to XXXX XXXX XXXX sending the XXXX bill to debt collections ( Professional Finance Company ). Spoke with XXXX XXXX XXXX and they stated that the bill could not be paid to them and had to be paid to Professional Finance Company. An account number was given to look up the bill on Professional Finance Company website. There is no record of my account after entering the account number. Also no record if looked up with last name. I want to pay my debt but it appears I am unable to ( or they are making it very difficult ). Moreover, I was under the impression that medical-related debt could not affect your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681a : Under exclusions the consumer / credit report MUST not report containing information solely as to transactions or experiences between me the consumer and the Experian making the report. My late payment is my transactions or experiences. The credit report furnished by Experian indicating late payment influences my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
Product: Debt collection

I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.
Product: Debt collection

Paid off lien of vehicle. Got notified of garnishment of my wages by employer ( XXXX XXXX XXXX ) dated XX/XX/XXXX. I received court paperwork from XXXX XXXX XXXX on XX/XX/XXXX via the United States Postal Service . Garnishment of wages occurred on XX/XX/XXXX. I have a lien release dated XX/XX/XXXX. I have a clear title from the State of Michigan dated XX/XX/XXXX when applied for a new title to sell vehicle. I was never notified of a court date. Therefore I was not able to submit paperwork to court. This is also affecting my credit report to the negatively.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Navy Federal Credit Union at their XXXX, VA address regarding a potential violation of the Gramm-Leach-Bliley Act ( GLBA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX XXXX XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. This lack of transparency and validation raises concerns about improper data sharing and potential violations of federal privacy and consumer protection laws.
Product: Debt collection

TO WHOM THIS MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTOM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AND REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO ERROS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT CASE, PLEASE REVIEW THE DETAILS IN THE FILES.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to WF/PREFERRED XXXXXXXX XXXX XXXX and WELLS FARGO CARD SER XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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: Vehicle loan or lease

Car purchases  XX/XX/XXXX  Loan thru  Fifth T  hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid  XXXX   XXXX ,  XXXX  - car was totaled Around the end of  XXXX  or  XXXX   XXXX  - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on  XXXX   XXXX .   GAP payment was made  XXXX / XXXX / XXXX  Bank has returned {$68.00} on  XXXX / XXXX / XXXX  & {$160.00} on  XXXX / XXXX / XXXX  after much communication and a complaint filed to the Oh io Better Business Bureau!    The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX has fixed the issue. See attached proof with account info.
Product: Checking or savings account

My account was found ot have been frauded with someone withdrawing almost XXXX XXXX dollars in another state. This was not an authroized transaction. 

I went to the bank to report the fraud and they denied my claim even though they stated it was fraud when they contacted me to alert me. 

They stated it was fraud but will not credit my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax Information Services LLC for failing to correct and remove inaccurate, unverifiable, and fraudulent items from my credit report. Despite submitting a dispute and providing supporting evidence, Equifax has refused to delete these negative entries, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am a victim of identity theft and a data breach, and the fraudulent inquiries and accounts on my report are not a result of my actions. Equifaxs refusal to investigate and correct these inaccuracies has caused significant harm to my financial well-being, creditworthiness, and ability to obtain credit at fair rates.

Violations by Equifax Failure to Conduct a Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) Equifax did not properly investigate my disputes and instead blindly verified the inaccurate information with the furnishers without requiring them to provide verifiable proof.

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a meaningful reinvestigation, but Equifax simply relied on automated responses from data furnishers without validating the accuracy of the information. 
Failure to Remove Fraudulent Inquiries & Accounts ( FCRA 605B, 15 U.S.C. 1681c-2 ) I disputed unauthorized inquiries and accounts that resulted from identity theft, but Equifax failed to delete them.

Under FCRA 605B, consumer reporting agencies must block fraudulent information when a consumer provides a valid identity theft report, yet Equifax refused to comply.

Violation of Data Security & Consumer Protection Laws Equifax has failed to safeguard my personal information, despite being a major data breach victim itself in 2017.

Under FCRA 623, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a credit bureau must delete any inaccurate or unverifiable information within 30 days, yet Equifax continues to report incorrect data on my credit file.

Failure to Provide Verification of Disputed Accounts ( FCRA 609, 15 U.S.C. 1681g ) I requested written verification of the accounts in dispute, but Equifax did not provide me with any contractual evidence or original documentation proving I authorized these accounts.

Continued Reporting of Incorrect Public Records ( FCRA 605, 15 U.S.C. 1681c ) Equifax continues to report outdated and inaccurate public records, including an improperly reported bankruptcy and a collection account that should not be associated with me.
Product: Credit reporting or other personal consumer reports

There are some hard inquiries from XXXX XXXX and XXXX on my credit report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice around the beginning of XXXX from a lawyer saying I was being sued for a debt unknown to me. During that time I was suffering from XXXX and was in the process of burying my XXXX Once I spoke with them I just complied because I was told Im being sued and I was scared. There were claims of them trying to contact me which I replied I received this XXXX so why wouldnt I have received the previous contacts. It was a very scary moment this was almost XXXX time Im not working. I asked if the debt could be resolved for a lower balance and was told no. This was a lot to process especially during such a trying time. I was told the debt was {$1000.00} and the lowest payment amount I could make was {$90.00}. This is a lot for a stay at home mom with no income, I wasnt given any other options or explanations. Ive paid on the debt with the understanding that this negative item would be removed yet it is still listed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are continuing to report an alleged debt from XXXX XXXX that is not correct. There are several inaccuracies within the account as well. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Bank account or service

My bank charged me an overdraft fee which was n't warranted
Product: Debt collection

After many attempts to change negative remarks on my credit report portfolio recovery refuse to correct inaccurate information. I paid and settled with portfolio recovery on XX/XX/XXXX. I received a letter stating paid in full XXXX balance owed. On XX/XX/XXXX a day after paying settlement, portfolio recovery reported to XXXX  negative and damaging Information balances that is not owed. I also express to portfolio that they are not on my XXXX other credit bureaus. I contacted XXXX  and found out portfolio recovery was deleted off my account on XX/XX/XXXX the reason stated delete off of account debtor choose not to pursue anymore. I spoke with XXXX XXXX at portfolio recovery on XX/XX/XXXX to tell about my findings and he was rude and trying to talk over me sounding like a programed robot repeating the same thing he is in legal
Product: Mortgage

I have been trying to tender payment to the online account to bring the account current. Wells fargo has informed me of sending me a work order with wire transfer directions or by next day mail. It would be more convenient if they could fix the online portal to a current date so that I can bring the account current. If they can resolve this issue it can save us alot of time and inconvenience. The website portal still says 2018 and is inactive. If it can be brought current as a date and active, I can make arrangements to bring the account up to date. Thank you for your time...
Product: Money transfer, virtual currency, or money service

This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.
Product: Debt collection

I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.
Product: Money transfer, virtual currency, or money service

A transaction was made using this credit service and the product was unusable due to security and safety policies issued in light of XXXX. The merchant was unreachable and up to today, no response has been received about a credit or refund. The transaction has gone into collections and was left with no option or assistance by the credit issuer to issue some form of protection. Currently, I have set a minimum payment to be collected by the credit issuer however I am compelled to pay the maximum amount of interest for the past two years on a very small balance. I have contacted the credit issue or almost a dozen times to resolve and no level of authority within synchrony banks organization has demonstrated any ability to sort this out. I am left with no control over my ability to save from paying additional interest due to a locked and closed account. I am being forced to pay undue interest caused by PayPal credit/synchrony banks operational negligence.