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

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by Experian contains incorrect information. Specifically, the incorrect payment status. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( XXXX, XXXX, and Experian ). For instance : XXXX reports the account as closed. 
XXXX reports the account as paid. 
Experian reports the account as paid. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to XXXX XXXX it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the XXXX XXXX  wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent Experion an original bill. But they refuse to change it. XXXX XXXX  stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that XXXX XXXX  has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem
Product: Debt collection

This debt was sold to debt recovery solutions from XXXX. The previous amount owed was dated from XXXX and a collection was add to my credit on XXXX of XXXX. This account has been re aged. And has been reopened more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have sent a complaint to Experian over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX CO XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL
Product: Credit reporting or other personal consumer reports

I I have found some information that is inaccurate on my credit report. You are reporting a late payments on ( XX/XX/year>, ) and ( XX/XX/year> ) on the account ( XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX ). 
This is not true, I was never late. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. Also provide proof of bank statements from the original creditor that provides proof of late payments and if that can not be provided I demand this account to be updated to never late.
Product: Consumer Loan

When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.
Product: Debt collection

I WAS NOTIFY THAT MY PERSONAL INFO WAS IN A DATA BREACH AN MY INFO WAS SOLD ON THE BLACK WEB THE COMPANY : LVNV FUNDING LLC reported XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY RMP SERVICES CALL EXTREME AMOUNT OF TIMES A DAY DAILY. THE NUMBER IS XXXX. TODAY XX/XX/XXXX AS OF XXXX THEYVE CALLED ME 6 TIMES SINCE XXXX XXXX. MONDAY XX/XX/XXXX THEY CALLED 13 TIMES FROM XXXX. THIS IS OUT OF CONTROL I WANT THEM TO STOP CALLING AND HARRASSING ME.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate late payments appearing on my credit report associated with my account. However, these late payments are erroneous and do not reflect the accurate payment history of my account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

Therea re 2 fraud collections on my credit : They are : AFNI and XXXX  XXXX  I didnt open these accounts ... I didnt use these accounts and I am not liable for these accounts. 
Please remove these accounts from my credit.
Product: Credit card

I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair?
Product: Debt collection

I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Product: Credit reporting or other personal consumer reports

Capital one bank usa violation of the fair credit reporting act ( fCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) and 1681g ( a ) ( 5 ) for unlawfully obtaining my XXXX and XXXX consumer report on XX/XX/XXXX and XX/XX/XXXX. COAFviolation of the fair credit reporting act ( FCRA ) ( 15 usc 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX  and XXXX consumer report on XX/XX/XXXX and lastly XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have over {$400.00} since the middle of this year in cash app money that I never spent there was transfers because my cell phone was stolen including my wallet including the cash in it now the cash in it was my loss but my wallet was stolen right from where I work at and where I work at is where I live at and where I live at there's only XXXX people around here which I do not trust however I would like to follow a little suit immediately because it still even though that account is still open but under my married last name XXXX XXXX XXXX XXXX XXXX XXXX the card was used or tried to be used yesterday and it took them 3 months and even I have a email stating that they did give me a provisional credit but no they did not as a matter of fact I had to cancel my card and request a new one yesterday and that's XXXX  XXXX they told me that they would give it back to me within 45 days the money and none of it not XXXX single XXXX dollar has came back to me
Product: Mortgage

They sent me a escrow check XXXX XXXX, I deposited in bank. 
They called on XXXX XXXX, stating it was a mistake, so I gave the money back through a ACH, ON XXXX. 
ON XXXX, they stopped payment on the XXXX check. 
Creating a negative {$2900.00}, in my saving account. 
Now I am getting XXXX, in my bank. 
I've called multiple times, no call backs, managers aren't there, and won't call me back. I'm going negative in my account more every day. 
I'm a XXXX Veteran, and I'm very concerned. 
Now my bank is emailing me and sending me letters to resolve negative funds in my bank. 
And I can not. 
The company is CLICK & CLOSE, or MID AMERICA I'm on a fixed income. 
THANK YOU
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I would greatly appreciate if the credit reporting agencies can be told to stop reporting inaccurate and incomplete accounts on my credit report. It is not far to me as a consumer. And it has cause me to be denied several times for loans, refinancing and credit cards. This is not a third party filing this report for I am a real person. Please look into this matter.
Product: Checking or savings account

i am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. thank you.
Product: Credit card or prepaid card

I recieved my first stimulus check on my card & the same thing happened they locked my account right after I recieved the email telling me I got the money. So they provided me with a phone # to contact them & after calling the number they provided it tells me that they are not accepting calls at this time. So my accounts been locked for the second time now after receiving my stimulus check due to the pandemic. Last time it took me 4 1/2 weeks to get someone on the phone.
Product: Student loan

My student loans are managed via Mohela. Several months prior, in XXXX of XXXX, I had applied for the XXXX XXXX plan which gave me a monthly payment of XXXX per month. While this plan application was pending, my student loans were placed in forbearance. However, I received a notification in XXXX that I had a pending payment of {$3600.00} on my account due XX/XX/XXXX, which appeared to be consistent with the standard repayment plan ( highest rate of repayment ). I spoke with a Mohela representative on Wednesday XX/XX/XXXX, and was transferred to a " plan XXXX '' who informed me I was in fact approved for the XXXX plan with a monthly payment of ~ {$1400.00} per month, however, the XXXX plan does not take effect until XX/XX/XXXX. She informed me that my current pending charge was an error that occurred because the XXXX plan did not take effect until XX/XX/XXXX. To rectify this, she stated that she would place my account into forbearance for the month of XXXX, with my next payment to be due in XXXX in the amount of ~ {$1400.00}, according to the XXXX plan. I assumed the issue had been resolved after this conversation. 

On Friday evening, XX/XX/XXXX, I received an email notification from Mohela noting that I would still have a an automatic withdrawal of the {$3600.00} from my account on XX/XX/XXXX. When I attempted to go onto the website and pause this payment manually ( the Mohela offices were closed given that it was the evening going into a holiday weekend ), I received a notification stating " your auto debit payment has already been sent for processing. You may come back to request a cancellation after your current due date has passed ''. Since the next several days ( XX/XX/XXXX, XXXX XX/XX/XXXX ) are a holiday weekend, I am unable to speak to anyone from Mohela until XX/XX/XXXX, after the charge has already been withdrawn. 

Now, I have been charged an amount almost XXXX the amount agreed upon by my IDR plan, which I had initially submitted over 6 months ago, despite directly discussing this issue ( and allegedly resolving it ) with a Mohela representative XXXX hours prior. In addition, by the time they sent me the email " reminder '' of this intended auto-debit, XXXX hrs prior to the scheduled withdrawal, it was already too late to stop or suspend the automatic withdrawal according to their website. Not only are they unable to effectively correct their own errors, but they make it impossible for the borrower to correct them.
Product: Prepaid card

On XX/XX/2023, we purchased the Vanilla Visa gift card because it states it can be used anywhere online and it also states online that it can be used with XXXX, which is what we needed to use it for to pay a bill. However, when we went to pay the bill XXXX needed our zip code, which is a very common thing that is needed when you enter your info online to pay a bill. We entered our zip code and it didn't work. So we looked up the Vanilla zip code and that wasn't correct either. So we called Vanilla and got a person with a very thick accent who we explained the entire situation to and when we got done he said " so you are having trouble using your card in store? '' which is not at all what we had just said. And when we got done explaining all over again, in even clearer terms he said " oh you can't change your zip code '' without even looking it up to make sure he was correct. 

We had just paid {$6.00} to get this card and didn't have a lot of extra money to buy the correct card so we asked for a supervisor to make sure he was correct since he didn't seem like he knew what he was talking about. He said that the supervisor would say the same thing but put us on a hold line for over XXXX minutes and never got us to a supervisor. I'm not even sure he put us on a line for a supervisor, I think he just put us on hold and then went on to someone else. 

We had to do research online to find out that it was something they used to do but now per XXXX they don't change the zip code anymore, so you can't even use this card on XXXX. So saying on the packing and online that it can be used " anywhere online '' is absolutely false advertising as if you can't even use it on XXXX, the world 's largest online retailer, then it's not true that it can be used anywhere online. Also, I understand that there is going to be a language barrier with people in XXXX, but the person on the other line should be able to to at least understand what is going on well enough to understand our predicament. This person didn't even seem to grasp the very slightest bit of English. That is not ok if they are going to be working with mostly English speakers and need to be solving problems.
Product: Student loan

I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the required timeframe. On XX/XX/year>, I submitted disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

As of today, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus. Under the Fair Credit Reporting Act ( FCRA ), they are required to investigate and respond to disputes within 30 days, yet they have failed to do so. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, as required by law, along with a formal confirmation of the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim. 

Accounts in question : XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 XXXX