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

" I am filing a complaint regarding inaccurate information being reported by multiple financial institutions on my XXXX credit report. Despite submitting clear evidence proving the inaccuracies in the reported payment histories and account details, the reporting agency did not conduct a thorough investigation and left the incorrect information unchanged. Below are the specific issues with each institution : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( Status Updated XX/XX/XXXX ) The reporting reflects incorrect payment information, specifically showing missed payments in XXXX and XXXX of XXXX. I provided evidence demonstrating that these payments were made, yet the information has not been corrected after the reinvestigation. This has negatively impacted my credit score. 
XXXX XXXX Account # 1 Account Number : XXXX Status : Open/Never late ( Status Updated XX/XX/XXXX ) This account appears to be accurate. 
XXXX XXXX Account # 2 Account Number : XXXX Status : Paid, Closed. {$1100.00} written off ( Status Updated XX/XX/XXXX ) This account continues to report as charged off with multiple past-due entries from XX/XX/XXXX through XX/XX/XXXX, despite the fact that I provided clear evidence disputing these charges. XXXX has failed to correct this after reinvestigation, and I request that the CFPB intervene to ensure the correct information is reflected. 
XXXX Bank ( XXXX ) Account Number : XXXX Status : Closed. {$370.00} written off. 
XXXX Bank is continuously reporting a charge every month, which unnecessarily refreshes my credit report and negatively impacts my credit score. This repetitive reporting increases my credit utilization and does not accurately represent the current status of my account. Despite submitting a dispute with clear evidence, the issue remains unresolved.

These inaccuracies have significantly affected my credit score, and I request the Consumer Financial Protection Bureau ( CFPB ) to intervene. I have attached the updated credit report from XXXX along with the supporting documentation for each disputed item. Please help ensure these institutions correct their reporting and update my credit file accordingly. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the one that is remove off two credit report because of fraud XXXX  XXXX is garshment of my wages and there almost paid but XXXX XXXX  has not prove that those my charges or not I was married at the time all so
Product: Debt collection

On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018. 

On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence
Product: Student loan

I was previously told by FedLoan Servicing that I would receive information about an updated income-driven repayment plan that I filed on XX/XX/XXXX on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the email FedLoan told me I would receive on XX/XX/XXXX or prior. When I call FedLoan Servicing on XX/XX/XXXX, I am now told that my plan is not ready by the automated machine ( the system would not let me talk to a live representative as far as I could tell, because all calls regarding income-driven repayments are directed to an automated system ). I am hoping for an updated payment amount as I believe that this would reduce my payments and given that I used the IRS retrieval tool for my income, I fail to see how something that should most likely be an automated process can be delayed. As I am working towards PSLF, I do NOT want to be put in administrative forbearance while this is figured out because I want all months of employment to count for PSLF. As such, I would like to continue to remain in repayment while this is figured out, but wish for it to be figured out as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX XXXX XXXX And Equifax 'S failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, XXXX has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over XXXX XXXX weekend, I traveled to a real estate class in Utah. Upon my return, I attempted to pay a {$30.00} airport parking charge and my BBVA Compass card was declined. Since it had a {$12000.00} credit limit on it and only about {$2000.00} worth of charges on it, I did not understand why. On Tuesday, XX/XX/XXXX, I contacted BBVA Compass who informed me that XXXX provided them with a notification that I was overextended. I'm not. As a result of XXXX XXXX  information, BBVA Compass lowered my credit limit to {$2500.00} leaving me {$11.00} in available credit, which obviously can not pay for a {$30.00} airport parking charge. I invested in real estate training to better my life and now I'm getting chastised for it. I have never been late or contacted any type of credit repair agency to fix anything as there was nothing to be fixed. There still isn't. I am very angry over this unjustified action and I believe there has to be some type of law or something that can keep people like XXXX and/or BBVA Compass from destroying my life. The only equitable solution for me would to be reinstate the credit limit on this card. Anything else is an insult.
Product: Credit reporting or other personal consumer reports

Dear Collections and Consumer Relations Dept. : As I have not heard back from you in over 30 days regarding my notice of dispute dated, I must presume that no proof in fact exists. Also attached is a FTC report regarding the fraudulent accounts in detail. 

Account : Name XXXX XXXXXXXX XXXX XXXX Account # : XXXX, XXXX, and XXXX PLEASE DELETE FROM MY FILE You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my XXXX XXXX file. You are currently in violation of the Fair Credit Reporting Act. 

Failure to respond within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry from XXXX CARD SERVICES on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX FS on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : JCPenney  Date : XX/XX/2022 Amount : {$3.00} late payment by the company In accordance with the fair credit reporting act JCPenney, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting 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, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I reviewed my credit report and noticed a few accounts on it that are not mine
Product: Debt collection

I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be.
Product: Mortgage

I brought a House in VA, I was paying on time and paying a little extra! My spouse and myself got reassigned to another duty station. We work for dod, I was still trying to pay the Mortage and rent. We put the house up for sale first buyer did n't work out problems. I was still paying, I then began to max out my credit card, could n't pay so I went to someone to help me and we put the house up for quick sale, had a buyer and Wells Fargo was taking so long in doing anything the people pulled out! We did n't get another buyer for about 6 or 8 months it was quite awhile. Now we have a buyer again and again Wells Fargo is still giving us problems. The buyers have even gone up on their offer! Wells Fargo keep asking for the same paper work staying they ca n't read it, it 's to blurred some reason to just get putting us off! Then I get another person from Wells Fargo to work on my property that seems not to know what they are doing or how to do a job with the quick sale. When you on my end it would seem that Wells Fargo want this property to go into foreclosure and have set the date for XXXX XXXX, when in fact a year or so ago it would not have gotten to this point the house would have been sold. The person that 's working on this house on my behalf have been calling them every other day or every two days to find out where the process is and what is taking so long. She is been told it 's at this desk and that desk should be hearing something and then nothing. I have send every paper work they asked for and twice some time! Have mad the home accessible, It 's like they let paperwork expire and they need it again, I have even put so much more in this house to ensure that its fixed correctly, this house has cause me a hard ship and it should n't have due to it could have been sold a year ago. To me it seems that Wells Fargo is the one that is holding up this progress and causing us to loose the buyers for this short sale because the buyers are not wanting to wait, as if they want the foreclosure it to take place! Instead of trying to help, they to are causing a hardship causing stress causing sleepless night and tears for not helping the seller!
Product: Credit card or prepaid card

I applied for and was accepted for a Capital One Quicksilver credit card in XX/XX/XXXX, with an introductory 0 % interest rate for 15 months. When I received my XX/XX/XXXX statement still said that 0 % interest applied, but to be safe I paid the full balance to ensure I would not be charged interest. When I received my XX/XX/XXXX statement it confirmed that the full statement balance had been paid in time, yet still charged me {$200.00} in interest charges. I called to query this, and was told that this must be part of the terms and conditions. I have checked said terms and can find no reference.
Product: Vehicle loan or lease

Ever since we fell behind on auto payments after my husband lost his job Nicholas financial has been calling us every day and it is always someone different we are behind one payment and our car is inoperable. I even explained to Nicholas financial what is going on and an email and we still get calls every day non-stop since XX/XX/2019 to present. XXXX XXXX and XXXX XXXX. Nicholas financial is in XXXX, Florida.
Product: Mortgage

A company called XXXX XXXX XXXX asked us to apply for a refinance loan on our current mortgage company UWM. They told us that they could help lower our payments to better afford our mortgage. We applied and within a month they had us paying them a lesser amount for the mortgage and said it would take a couple of months to be granted a new loan amount. We paid XXXX $ roughly a month for 8 months. I found out later that they had dissolved their business and had taken the payments. This started in XX/XX/2022 and ended in XXXX 2022 for the amount of XXXX XXXX They secretly without our knowledge and consent filed a Forebearance application under our name and SCAMMED us out of the money promising a cheaper mortgage payment. I can provide the necessary paperwork that XXXX XXXX XXXX had us file if need be.
Product: Debt collection

XX/XX/2024 Dear MIDLAND CREDIT MANAGEMENT Per the FCRA as a federally protected consumer and as Per 15 USC 6802, a financial institution must provide a clear and conspicuous notice to consumers before disclosing their nonpublic personal information to nonaffiliated third parties also 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. This means that a charge-off is a written document that acknowledges a debt and can be used as evidence of the debt in legal proceedings. meaning that a charge off is note debt since it is written off so you have no right to attack my credit. a charge off becomes a income and income can not be reported as debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate entries on my credit report that are adversely affecting my credit score. Despite my efforts to resolve this issue directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of the following items, as they are incorrect and do not accurately reflect my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX balance {$9200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - balance {$5200.00} XXXX XXXX XXXX -balance {$650.00} XXXX XXXX XXXX balance {$800.00} - balance {$67.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.
Product: Credit card or prepaid card

I have a very strong credit history, with a score in the 740-760 range. Further, I have a longstanding good relationship with Capital One ( no missed payments ). They denied me for a XXXX credit card today. By the information on their website, this card is available to people with good-excellent credit. Applicants can even have late payments on their credit and be approved. I have no late payments, nor collections, etc, and they denied me anyway. When I called to determine why, I got stuck in a loop of people who barely spoke XXXX, did whatever they could to get me off the phone and refused to provide additional information. It is my belief that Capital One has blacklisted me because I previously requested a change in the terms on my current card. They should re-review and approve my application for the XXXX card because I am deserving, both based on my credit history and relationship with them. There's no reason I shouldn't qualify for the Mastercard and even less of a reason I shouldn't qualify for the store-only version.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see accounts that dont belong to me. I dont understand how this could happen when everything was fine before. I refreshed my browser, praying it was just a technical issue, but the errors stayed. Im pleading for a thorough check of the documents Ive sent so I can finally move past this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report Pentagon FCU XXXX XX/XX/22 I have no idea how this got there this is something fraudulent on my credit please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Product: Credit card or prepaid card

After spending several exhausting hours of trying to resolve the outstanding problem over the phone that Comenity Bank inadvertently applied incorrect payment amount of {$56.00} to my Ann Taylor account in lieu of my XXXX check # XXXX of {$150.00}, XXXXXXXX XXXX  has confirmed to me and provided copies of my XX/XX/2023 statement that Comenity Bank submitted my check # XXXX for payment of {$150.00} on XX/XX/2023. The problem is my payment of {$150.00} was not applied to my Ann Taylor XXXX statement and an incorrect amount of {$56.00} was applied to my account instead.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for an account listed on my Credit Report as XXXX XXXX XXXX due to MULTIPLE FCRA violations and multiple and XXXX XXXX compliance violations as described in the XXXX 's XXXX. Experian resolved my dispute and stated that the account will remain on my credit report, without providing any context as to how they came to this conclusion. As of XX/XX/year>, this account is out of compliance with FCRA and the XXXX XXXX reporting guidelines. The account is also being reported with inconsistencies and discrepancies across XXXX, Experian, and XXXX such as The Date Last Active XXXX, Account Status XXXX, and Date Opened XXXX of which ALL of them are reporting inaccurately. I request information on how Experian validated this information? These reporting discrepancies are outside of FCRA the XXXX 's XXXX compliance. Unless this account is deleted from my credit report, my next communication with Experian will be a formal notification of my intent to take legal action against the company, known as a XXXX notice. Experian must demonstrate full compliance with all requirements and standards of FCRA and XXXX 's XXXX Compliance mandates. Please see the attached report for a complete list of violations, inconsistencies and discrepancies related to this account.I al
Product: Credit reporting, credit repair services, or other personal consumer reports

Why I still see that negative information. This is nit my accounts I believe someone hacked my personal information