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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX  Balance : {$0.00} Charge off Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have asked repeatedly over the last year or two how many qualifying payments I have made as part of my PSLF loan. Every time I inquire the number is different and reduces the amount of qualifying payments I have made. When I ask about why this is I am given an ambiguous " just wait and see '' type of answer. I have submitted on time payments, and all required paperwork, while working for a qualifying non-for profit/public sector agency for this entire time. I have to date made 51 payments since I consolidated my loans totaling {$39000.00}. I have reached out yet again to FedLoan to inquire about the discrepancy. I am concerned at the mishandling of my student loan, and the inability to answer why this number continues to drop or why my payments are not listed as qualifying. Please see the list of payments made below. I do not have dates for the many, many calls I have made but Fedloan should have a record of this. 

XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$950.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$700.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00} XX/XX/XXXX All Loans Payment {$580.00}
Product: Credit reporting

My complaint is against the credit bureau Equifax. Several attempts have been made to all three credit bureaus in an attempt to have a negative item removed. Equifax has repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove me claim is true and accurate. Had Equifax seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX 's ( XXXX XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX XXXX XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
I received notice from Equifax on XXXX/XXXX/XXXX that this account is not reporting on their file. However, in violation of Federal Law FCRA Part ( A ) ( 5 ) ( B ) ( ii ) they have reinserted this negative item onto my credit report on XXXX/XXXX/XXXX. This violation of Federal Law caused my credit score to drop XXXX points. 
Equifax is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Equifax is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dropped my score XXXX points for XXXX percent credit usage but only increased it XXXX points when the problem was fixed this not fair how many points they take but do not return them
Product: Credit reporting or other personal consumer reports

Under Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, i request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. because this was not me Loan says I am a " co signer '' never signed off on this. 
want to REMOVE myself
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ITEMS REMAIN : CFPB has not enforced corrective action for any of my complaints. Many times closing a dispute and recommending I reach back out to the bureau or tell my story on the portal. 

The Fair Credit Reporting Act ( FCRA ) entitles you to a free copy of your credit report from each of the three nationwide credit bureaus XXXX, XXXX, and TransUnion I am not able to electronically access those reports. 


Transunion accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me. 

Transunion - 1 ) XXXX XXXX XXXX  - should be deleted I have opened a dispute with the evidence that the account is over 8 years old. 
2 ) XXXX  XXXX credit- not late in XXXX of XXXX. 
3 ) XXXX- should be deleted. As per conversation XXXX @ XXXX this was deleted yet on XXXX @ XXXX it is still under review and not deleted. 
4 ) TransUnion continued to include information from XXXX XXXX XXXX that failed to respond to all or nearly all disputes that issued the same responses to all disputes. We are past statutes of reporting an account. Nor accurate reporting. 
5 ) TransUnion allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 

TransUnion did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead they have put blocks in place preventing me online report access to continue to dispute requiring mail only and telephone ; which is an inconvenience to the consumer and delays time for corrections.
Product: Student loan

XXXX XXXX are reporting late payments on my credit dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .When contacting XXXX XXXX customer service about the income driven plan in XX/XX/XXXX, I was giving invalid information. I was told I qualify for the plan income driven plan and my loans will be in forbarence until all paperwork is processed. However some miscommunication cause me to have late payments instead of the forbearance. I have disputed this information server all times. I have reached out to the CEO through several emails no response.This miscommunication has resulted in costly errors, like missed payments on my credit file. Please have them update my credit immediately.
Product: Checking or savings account

For past years, Bank of America - Bank has charged a " Check Image fee ''. It seemed to be only kicking in once a year. I would call in and they would refund the fee and promise that they would fix it. It usually was just a once a year issue, but now it is EVERY MONTH issue ( Even after calling in every month to have it removed ). 

In XXXX, XXXX, XXXX, XXXX and XXXX- it kept happening. I would call in and they would fix the problem and refund the fees. 

In XXXX, I reached out to the CEOs office about this- with some investigation I was ASSURED IT WOULD NEVER HAPPEN AGAIN! There was a full depth analysis of this from that office. 

Well on XX/XX/XXXX - It happened again. I was assured in XX/XX/XXXX ( Don't have exact dates on conversation ), but they refunded me. 

I tried calling the bank tonight ( the male rep at XXXX disconnected the call ). I called back and I accidently hung up on the rep. 

I never authorized for this check image fee to be on my statement. We went through the settings in my profile and on the website. The fee is only {$3.00} per month, but still! 

The bank needs to take corrective action on making sure that I am not getting charged for this fee. For me to keep calling into the bank costs TIME = $ $ $ as a small business. This is about the 10th call in attempting for this to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased a XXXX Infiniti from XXXX XXXX XXXX XXXX XXXX, XXXX for 39 months ending XX/XX/XXXX. Never made a late payment ever. Lease ended in XX/XX/XXXX so I made several calls to Dealer and Nissan Finance concerning lease buyout. Dealer told me to contact bank, Nissan told me to contact Dealer. After several attempts in XXXX and XXXX I finally spoke with Nissan Finance on the phone. They asked if I want ed to extend lease thru XX/XX/XXXX and possibly get into a new car. I said I would like to keep car I have, this was around XXXX, Spokes lady told me to make an additional payment of {$690.00} and to go to dealership to have car appraised and inspected before I could buy car.????? Still not getting the right info, I drove car to XXXX XXXX XXXX in XX/XX/XXXX, and still was told I needed to go through bank. I then asked to speak to the finance Manager who was the only person with the right info. My wife and I paid the residual of the car in XXXX for $ XXXX. XX/XX/XXXX I received notice that my credit score dropped from XXXX to XXXX. I checked my credit report and noticed Nissan Finance had sent in negative information to the 3 Bureaus. Contacted Nissan and was told to send in a letter to Nissans Credit Management Dept. Received a letter on XXXX XX/XX/XXXX were Nissan refuses to remove false info from my report. At no time did I agree to or signed into another agreement to extend my lease or to refinance the XXXX XXXX, XXXX errored in reporting false information and refuses to fix it.
Product: Credit reporting or other personal consumer reports

I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

Capital One - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Product: Mortgage

I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.
Product: Payday loan, title loan, or personal loan

I pulled out a loan of {$1000.00} on XX/XX/2023, received the money, and paid back the {$1000.00}. now I am being charged over 400 % interest and am expected to pay almost {$5600.00} that I do not have. I already paid what I borrowed and I can not cover these insermountable interest fees.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number : XXXX
Product: Credit reporting or other personal consumer reports

TranUnion, XXXX, XXXX these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX on XX/XX/XXXX. 
XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX, XXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

When opening this card the rewards were stated as up to XXXX XXXX and it expounded on this with examples. Since opening the card I have never received the XXXX XXXX on any purchase including places/purchases specifically mentioned. On contacting Goldman Sachs I was told the reason is that I can only receive the XXXX XXXX if I do not use the physical card. This term has not been stated on any of the advertisements I have seen when signing up or when using the card. I specifically even went to a different gas station where they had signs about it and didnt receive it and those gas pumps did not even have the ability to tap to pay with Apple Pay.
Product: Mortgage

On XX/XX/XXXX a annual escrow disclosure statement was applied on my mortgage account. The statement stated that there was a change in my escrow account and that my mortgage payment was increasing from {$1200.00} to {$1600.00}. Which is an increase of {$380.00} per month. The calculation they used was projected escrow balance of ( {$1600.00} ) minus allowable low escrow {$1100.00} which is how they came up with a shortage of ( {$2700.00} ) which is incorrect because I qualify for a homestead exemption which is a credit I receive on my real estate taxes because I am XXXX. I have sent them documentation proving that a qualify for the tax credit. The bill that they paid in XX/XX/XXXX was for the first half of XXXX for dates XXXX XXXX - XX/XX/XXXX. I bought the house XX/XX/XXXX of XXXX. XXXX County bills a year in arrears so the tax bill that was paid this year was for the sellers portion of the bill. My first full year of homeownership will be the end of XXXX which will be when m homestead exemption credit will be applied. Currently my escrow account is not short they are trying to add the ( {$2700.00} ) from XX/XX/XXXX to my current payment. That analysis was done based on the sellers tax bill which is not my full year tax bill I will receive that bill XXXX XXXX due in payable in XXXX of XXXX.
Product: Mortgage

My mortgage that was current with no issues was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX And I have never received any contact or information I have tried numerous times to contact via website but can not get access due to do not have my new loan number. Calling multiple times daily and can't get through and have left my number multiple times a day with no call back I have my payments and can not make them I am afraid of foreclosure or negative impact on my credit Just want my information to be able to pay my bills
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX student loans initially from Edfinancial. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from Edfinancial. Edfinancial last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX  has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called Edfinancial numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to Edfinancial and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX  and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on Edfinancial. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, Edfinancial is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX  begins reporting on it - it has not. XXXX  has been reporting on this debt since XX/XX/XXXX, and the Edfinancial loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. Edfinancial has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.
Product: Debt collection

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date XXXX XXXX XXXXXX/XX/2025, XXXX Subject : To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2025 Experian, XXXX, XXXX, XXXX Subject : Dispute of Fraudulent Account/Charge Due to Identity Theft Dear To Whom It May Concern I am writing to formally dispute an account/charge on my credit report that I believe is the result of identity theft. I did not open this account or authorize this transaction, and I request that it be removed from my record immediately. 

The fraudulent account/charge in question is as follows : Creditor/Company Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount in Dispute : XXXX Date of Fraudulent Activity : XXXX XXXX I have attached the following documents to support my claim : A copy of my government-issued ID. 
A copy of my credit report with the fraudulent account highlighted. 
A completed Identity Theft Affidavit ( if applicable, available at FTCs IdentityTheft.gov ) Under the **Fair Credit Reporting Act ( FCRA