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

I am writing to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Several dispute requests have been sent to the credit bureaus with no updates on any of the investigation results, so maybe you can help me to get some updates here. The following accounts are inaccurately reported : My disputes are attached that has been mailed out the last couple of months to the credit bureaus.

Your lack of proper investigation and continued inaction is also a violation of this provision. In Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting.
Product: Student loan

I asked about how to apply for Loan Forgiveness. I was told I was not in the correct repayment option. I was told documents would be sent. I have worked in the Non-profit world for close to 20 years. My loans should have been forgiven.
Product: Mortgage

My loan was transferred to First National Bank shortly after closing. This bank very limited options for making payments on a mortgage and their policies seem intentionally designed to incur fees and harm consumers. 

The only options are as follows : To pay by phone, which generally involves absurd hold times, transfers and promised call backs which do not actually happen. There is no option here to set recurring payments, schedule a payment, or save account information. This is intentionally designed to discourage this method To pay via third-party bill pay. which they make as difficult as possible by obscuring the proper address, and procedures and making it impossible to view your account status, balance or payment due online. There is literally no way to view account information online, you must wait for the paper statement each month, assuming they decide to send it. 

To open banking accounts with them. These accounts are fee-based, non-competitive and the only reason one might open them is to be able to pay their mortgages conveniently. This entire setup, with the limited options, seriously antiquated website and insufficient phone staffing, seems designed to force consumers, who did not choose their mortgage servicer, to open these non-competitive accounts and generate unjustified revenue for the bank. This entire process is exploitative and predatory and should be reviewed.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Applied for a Savor One credit card with Capital One. Capital One created the credit card account with an incorrect social security number and name and continues to report the inaccurate information to the credit bureaus despite my repeated calls and requests for them to correct the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$2800.00} to settle One Main Financial account, i have disputed this account 2 times. 
The first time they didnt not change or update credit report. 
the 2nd time they deducted the total amount owed by my settlement amount and report that i still owe $ XXXX and do not show that they account was been settled with {$0.00} owed. 

I have a copy of settlement letter showing that the account is settled and balance owed is {$0.00} but they are refusing to update credit reporting.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXXXXXX XXXX  to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. 

THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE.
Product: Debt collection

Action revenue recovery was seen on my recent credit report. I disputed this item and it has been verified by this company. I have no knowledge of this account and never have used this company. Please have them delete from all credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i seen the report on my XXXX  report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Product: Student loan

I am on Income Contingent payment plan, enrolled in PSLF payment tracker program. I am missing my payment history from XX/XX/XXXX through XX/XX/XXXX. I have documentation from both my bank payment history and Navient billing/payment history demonstrating payment on the loans. I have placed number feedback cases for assistance, each one closed with no action. I filed a reconsideration case with studentaid.gov on XX/XX/XXXX ( case number XXXX ). There has been no communication on the account status. 

This inaccurate accounting has delayed my eligibility for PSLF forgiveness. I work in a XXXX XXXX and previously worked in XXXX XXXX XXXX. All my PSLF employment verification is current. 

I call the studentaid.gov PSLF customer service line weekly for updates. Each week I am provided information that differs from the prior week. There appears to be no accountability and agents just share what they think to be true.
Product: Student loan

I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.
Product: Debt collection

On XX/XX/XXXX my husband and I were scammed into a travel agency that promised discounted travel points like a timeshare for a loan amount of approximately XXXX. After signing up we never received real points and were not able to use what we just " purchased ''. We did not receive a product or anything in return which should make the " purchase '' null and void but XXXX XXXX XXXX XXXX XXXX XXXX ) had loop holes in their contract that allows them to continue to scam people and commit fraud when there are 100s of lawsuits against them. Therefore in XXXX, we obtained a lawyer which advised a cease and desist letter situation would be best after getting harassed for payment for something I couldn't use. In XXXX and XXXX, even AFTER the cease and desist letters to XXXX and Monterey Collections went out multiple times we still received many phone calls to collect a very high charged interest added amount for over XXXX in just one year. They argued that XXXX was in the right, that no one could save our credit and if we didn't cooperate this would ruin buying a home in the future and go under " real estate ", even though we hadn't purchased any type of home, hotel, or physical place to actually be able to set foot in. We have been fighting this since XXXX and now they want to put it on our credit and put as of XXXX and delinquent as if this were by choice when we had no say in the matter of fraud. Monterey Collections got scammed too by buying a debt amount that was wrongfully and deceivingly sold to us under false presences. This has been negatively affecting our lives and housing approvals for almost 5 years now and it is very discouraging, exhausting, and unbelievable how there are no rights for me to get this removed from my credit report. How many more people have to report XXXX for places like the Consumer Credit Bureau and XXXX to help us by not accepting their debt claims?
Product: Checking or savings account

Bank of America someone hacked my Bank of America account and purchased XXXX dollars from the Dollars store on a gift card there. Ever since I have been getting telemarketers asking for my social. On top of that, I have XXXX XXXX and they stole his money right out of his account because his account is linked to mine. I called Bank of America and they pay me back but my son account now has a freeze on it and his job giving him problems they are not handling the situation good enough for me
Product: Payday loan, title loan, or personal loan

I got a flex line of credit with my title of my car in XX/XX/2021 I have been paying on the loan ever sense I only got XXXX dollar loan well after I got the loan and made payments they updated the credit limit to XXXX without my permission also I have payed them a total of {$4700.00} and they are saying I still owe then when I got to looking they are charging way more interest then what the Tennessee laws say they can.also I took my car to the titlemax location because they said they needed to update the pictures and stuff for the loan so I could access my available funds and still to this day they haven't fixed it and I need help getting this straighten out because they haven't even updated my balance on the app they tell u to use to check your remaining balance or online and you can see all the payments I have made in the transaction statement
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of endebtness which means it is taxable income and income can not be reported on credit report. Therefore delete/remove account. It is illegal to report a transaction history. 15 USC 6802-6805, and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute XXXX XXXX XXXX, XXXX ( XXXX ) continued reporting of a charge-off on my credit report. This is more than a simple reporting issueit reflects a disturbing pattern of double-dipping and potential fraud designed to manipulate both consumer reporting agencies and the U.S. tax system. 

XX/XX/XXXXhas classified this alleged debt as a charge-off, which should signify its closure and removal from my credit report. Yet, they persist in reporting the account, benefiting from it in multiple ways. It is clear they are attempting to exploit the system by claiming the charge-off as a tax deduction, while simultaneously inflicting harm on my credit profile. This contradiction not only raises ethical concerns but also puts them in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate reporting. 

Let me also make this abundantly clear : I have a legal right to privacy under these laws. XXXX 's failure to verify and remove this alleged debt is a violation of my consumer rights, and I am entitled to {$1000.00} per violation under the FCRA. These violations continue to accumulate each day this illegitimate charge-off remains on my credit report. 

XX/XX/XXXX actions represent a deliberate attempt to double-dip by simultaneously taking advantage of the tax benefits from a bad debt deduction under 26 U.S. Code 166 ( Bad debts ) while profiting off the damage caused to my credit. This kind of conduct could very well constitute tax fraud, and I fully intend to bring this matter to the attention of the IRS if it is not resolved immediately. 

I demand the following : Full documentation of the procedures XX/XX/XXXX has followed in verifying this alleged debt and their basis for continuing to report it as a charge-off. This includes every step of their process, the employees involved, the internal communications, and the exact e-signature procedures used to verify this account. I want to know who signed off on this, down to the managers managers, their lunch breaks, and the step-by-step actions taken to ensure accuracy. 

Proof that XX/XX/XXXX has not claimed this debt as a tax write-off while continuing to report it to the credit bureaus. If XX/XX/XXXX is attempting to benefit both waysby claiming the account as a loss while still using it to harm my creditthis is a clear case of tax evasion, and I will report it to the IRS for further investigation. 

Immediate removal of this charge-off from all credit reporting agencies. The continued reporting of this account as a charge-off, while XX/XX/XXXXderives other benefits from it, is a blatant violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If not removed promptly, I will pursue further legal action under the FCRA, FDCPA, and any applicable state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX  site directs you to where you need to be to unfreeze. Neither XXXX  nor Equifax website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " myequifax.com '' or " XXXX '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to me.
Product: Checking or savings account

still waiting for an updated debit card to show up. my last card expired in XXXX since the bank has always managed cards, why am I still waiting for a new debit card?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Credit Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my Experian, and XXXX Credit Report and I noticed that two late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Your company Experian Credit Agency and XXXX XXXX XXXX has two violations . 
XXXX XXXX XXXX has remove the late payment through CFPB and both Experian and XXXX has violated the laws by keeping the late payment on my credit report. Under 15 USC 1681 Accuracy of Report 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. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the late payment from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud.

3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards XXXX XXXX Attachments are enclosed.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX was paid XXXX for the XX/XX/XXXX payment was paid And still willing to make payments The reason i haven't paid the other payments Due to my job paying me bi weekly My hours was short due to staffing issues I'm pursuing legal action due to harassing phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with XXXX, XXXX and EQUIFAX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF EDXXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and EQUIFAX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.
Product: Debt collection

I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Hi, During XXXX and XXXX of XXXX my account went past 30 and 60 days due to an error with us inputting the our new checking account. We sent XXXX a letter advising this was a mistake on our part, as soon as we were aware of the situation we paid the full amount owed of Your last payment of {$3000.00} was received on XX/XX/XXXX. 

During XXXX XXXX both my XXXX  a XXXX  XXXX of education teacher and myself owner of a small business contracting company did not work for over 2 years years. 
We paid ford every month not always on the due date but before 30 days so it didn't impact our credit. I have asked XXXX to remove the 30 and 60 day lates to no avail. 

Any help is appreciated. 

Thanks XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not been investigating this alleged bankruptcy, in fact they are falsely verifying it with old information sent to them from previous disputes over 2 years ago. I have reached out to the 3rd party agencies I was informed Transunion got the information from. XXXX XXXX informed me the bankruptcy could not be verified and was deleted from my report in 2021 ( letter from them attached ) and XXXX XXXX XXXX informed me that they do not have any bankruptcy information for me on file. ( See attached ) I went to the bankruptcy courthouse and they informed me they do not have a bankruptcy listed on file nor do they report or give any information to credit reporting agencies. 

Transunion continues to inaccurately report this alleged bankruptcy that can not be verified nor have they sent me proof of how it was verified. 

I will be filing a criminal complaint with intent to sue if this bankruptcy is not DELETED from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX  XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.