23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting Following Loan Forgiveness Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by XXXX, Experian, and XXXX. Despite providing all three credit bureaus with documentation that my loans were forgiven, this information has not been accurately reflected on my credit reports, negatively impacting my credit score. 

I have contacted the credit bureaus directly, submitted a dispute with supporting documentation, and allowed the legally required 30-day period for an investigation and correction under the Fair Credit Reporting Act ( FCRA ). However, my reports still show the incorrect loan status, which is not only inaccurate but also a violation of my consumer rights under the FCRA. 

The inaccurate reporting is causing significant harm to my financial well-being, including but not limited to : Lowering my credit score. 
Hindering my access to fair credit opportunities. 
Causing undue stress and financial instability. 

I am requesting the CFPB to intervene and assist in ensuring that my credit reports are promptly updated to reflect the correct informationspecifically, that the forgiven loans show a {$0.00} balance or are removed as appropriate. I am also seeking confirmation of the corrective actions taken by the credit bureaus and the creditors involved. 

Enclosed are copies of : The loan forgiveness documentation. 
Correspondence with the credit bureaus. 
Dispute submissions and responses received Thank you for your attention to this matter. I look forward to a swift resolution to correct my credit reports and protect my consumer rights. 

Sincerely, XXXX XXXX [ Phone Number : XXXX ] XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX & Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Firstmark Services Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Firstmark Services, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Firstmark Services has inaccurately reported an account on my credit report as charged-off and dispute resolved, customer disagrees. However, this account was charged off and subsequently sent to a debt collector. Moreover, Firstmark Services was a loan services and therefore a debt collector under the FDCPA and Pennsylvania FCEUA. Given that Firstmark Services no longer owns, nor did it ever own, this account and has been compensated for it and settled in full, the persistence of this trade line and/or data point on my credit report is incorrect and misleading. This account was paid and settled in full.

Additionally, the reported charge-off amount is erroneous. I paid off this account and it was settled in full. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Firstmark Services is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Firstmark Services to rectify any inaccuracies found.

Firstmark Serivces 's refusal to amend this inaccurate trade line and/or data point despite my disputes and supporting documentation violates these FCRA provisions as well as the FDCPA and Pennsylvania FCEUA . This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system.

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Firstmark Services to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account listed on my credit report with Equifax, which I believe is the result of fraudulent activity. The account in question is reported as follows : Collection Account : XXXX XXXX XXXX  Reported Date : XXXX XXXXXXXX XXXX Amount : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $
Product: Credit reporting or other personal consumer reports

My total student loan balance with XXXX is {$69000.00}. This total amount is comprised of two loans : one loan is {$13000.00}, and one loan is {$55000.00} at the time of this complaint. My XXXX  credit report is correct, my XXXX credit report is correct. My Experian credit report is reporting one loan for {$68000.00} and one loan for {$13000.00}, for a grand total of {$82000.00}. My total balance is {$69000.00}, not {$82000.00}. I have made 4 different disputes to rectify this issue and each time XXXX upholds the amounts, resulting in no correction to my credit report. The most recent dispute was closed today, XX/XX/year>, and my credit report now shows that XXXX reported both the {$69000.00} AND the {$13000.00} on XX/XX/year>. 

Experian says that XXXX is telling them my total loan amount is correct. And XXXX is saying that they are reporting the correct amount. I have provided statements from XXXX. I have provided a statement from the Department of Education. I have provided screen shots that show that they are reporting {$82000.00} worth of loans. Each time, despite my evidence, they say they are reporting correctly. I do not know who is at fault, but this has been going on for an extended period of time and needs to be corrected as I will be purchasing a new home. I have spoken to each party numerous times and each time, they pass the buck to the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently become a victim of identity theft and have been in the process of cleaning up my credit report, however I am having a difficult time having Transunion remove XXXX unauthorized credit inquiries from my credit report. I have already contacted Transunion and filed the dispute and I wrote letters to the companies that did not have my permission to pull my credit. I do n't know why Transunion will not remove them. Today is XXXX XXXX, 2017 and the inquiries are still on my report. I would like them removed immediately. The XXXX inquiries in question are 1 ) XXXX XXXX pulled on XXXX XXXX, 2017 and the 2 ) XXXX XXXX pulled on XXXX XXXX, 2017. Please remove these from my file as I did not authorize any pull of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Product: Mortgage

Home Point Financial has failed to credit my principal and interest payment for XX/XX/XXXX and XX/XX/2018 for my home mortgage. The payment was made in full and they have returned it. They indicated that it did not include a portion for escrow payment. However, they have previously recognized that the escrow payment requirement is specifically excluded in my loan closing documents. They still are refusing payment without it and have failed to respond to written correspondence.
Product: Debt collection

Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX They are reporting false information on my credit report, i never had third debt or did business ever in my life. When I called to find out more information about this debt o was told a third party ( true accord ) ( XXXX ) XXXX XXXX has the debt whom i never did business with
Product: Debt collection

Equifax you stated verified XXXX to CFPB report so I filed another dispute on XX/XX/2018 but on XX/XX/XXXX andXX/XX/2018 You reported account removed from credit report BUT still showing on report as of XX/XX/2018 CFPB case # XXXX  you state to the CFPB on XX/XX/2018Account # XX/XX/7318 was DELETED from credit report enclosed is the documentation of the statements .lets settle this once and for all remove this account from my credit report now Forever as stated in documents enclosed so I can Close these dispute with you, Also please tell how my score dropped another38 points when it states no change on your documents
Product: Vehicle loan or lease

My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.SO from XXXX XXXX to XXXX, to XXXX  to some collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

As a business owner, I signed up for credit card processing and paid fees and membership. When I cancelled the service - returned the equipment, soon thereafter I received notification someone purchase this collection debt - that I owed them XXXX. 
I complied with their demands- do not understand why they are billing me XXXX- i received no billing and do not understand why I owe them money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

QWR " Qualified Written Request '' under RESPA - 12 U.S.C. section 2605 ( e ) : SPS Select Portfolio Servicing submitted false/incomplete answers to CFPB, homeowner and homeowner 's attorney in response to QWR sent in XX/XX/XXXX, and again in response to second QWR ( follow up ) XX/XX/XXXX. SPS Select Portfolio Servicing 's unlawful/dishonest acts continue to cause harm to homeowner. SPS appears to attempt to commit fraud upon the court ( and CFPB ) by its non-compliance with federal rules, and continued willful violation of guidelines as provided under RESPA.

To date, SPS Select Portfolio Servicing has failed to provide full, accurate and truthful ledger ( accounting ) to CFPB and homeowner as lawfully required via QWR ( s ). As of Friday XX/XX/XXXX, SPS Select Portfolio Servicing still admits to homeowner that they do not possess accounting for XX/XX/XXXX through XX/XX/XXXX, and other QWR documentation requested, stating they have " requested the information and are waiting for response/documents ''. 

In the interim, SPS and attorney XXXX XXXX XXXX continue to schedule Foreclosure actions, knowingly without providing homeowner, homeowner 's attorney and CFPB with full disclosure, accounting and response to questions submitted in QWR. SPS and it 's attorney of record, XXXX XXXX XXXX scheduled another sale date of XX/XX/XXXX with full knowledge that they did not comply with QWR disclosures and responses to CFPB. 

On XX/XX/XXXX, at approximately XXXX, XXXX XXXX 's office confirmed the sale would not take place after receipt of homeowner 's letter ( see attached ) regarding SPS missing ledger items, missing documentation and failure to abide by law. SPS, XXXX XXXX, and all associated parties are hereby requested to Cease and Desist scheduling any further foreclosure sale dates at this time. 

Homeowner requests full disclosure and federal assistance in obtaining ALL of the documents requested in the QWR ( s ) previously sent by XXXX XXXX ( see attached ), in addition to potential fraud investigation as related. Homeowner requests CFPB 's assistance in resolving questions related to predatory lending, validity of SPS claims, complete accounting, FDCPA compliance, TILA, Security Deed, Servicing Documentation and all tangible ( original ) documentation as requested.

Homeowner hereby requests imposition of penalties and fines to be placed upon SPS and its affiliates, as provided under RESPA, for failure to respond accurately within 60 days from the original QWR. Homeowner requests investigation of any and all FDCPA related practices, fraudulent business practices and any other relief due to SPS and associated parties continued failure to truthfully respond. SPS and its affiliates obligated to respond to QWR have failed to provide true and accurate documentation to verify and/or support their claims. Relief under any/all federal law to protect homeowner is hereby requested. 

Re-submission of attorney XXXX XXXX 's QWR ( s ), as attached, has been sent to Select Portfolio Servicing via Certified and Fax Delivery, and shall serve as a third request for QWR compliance.
Product: Checking or savings account

UFB Direct appears to be operating a fraudulent business built purely on false advertising and inadequate customer notification. 

They advertise high savings rates, then change the name of their product on a regular ( up to monthly ) basis. They then drop the rate on the old names of the savings product without any public disclosure or notice to impacted account holders. Their website makes no reference to their " bait-and-switch '' business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a credit report investigation with Equifax on XX/XX/XXXX. Equifax sent me an email on XX/XX/XXXX at XXXX advising me that the my credit report was ready to view online. I attempted to view the credit report online and was not able to. On XX/XX/XXXX at XXXX, I was awakened from my sleep with an electronic reminder to check my credit report online and I was once again unable to. 

Equifax advised me that they would resolving this issue last week and would contacting me when it had fixed it. I received no phone call indicating that the issue had been resolved. 

I firmly believe that this has been done on purpose as to preclude my ability to obtain my credit report without calling in or mailing in. 

I firmly believe that Equifax is attempting to withhold my credit report to delay and preclude my ability to make disputes because it profits by keeping incorrect/fraudulent derogatory information on my credit reports. The longer that Equifax can keep incorrect/fraudulent information on my credit reports the more it may profit. 

I have attached a copy of Equifax ' fraudulent statement indicating that my credit report was available online and subsequent refusal to provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an incorrect address. I have disputed this with them by mail and by telephone. They continue to report this false address.
Product: Credit reporting

XX/XX/2015 I received a notice from XXXX XXXX that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. Equifax on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. Equifax is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!