23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?

3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? 

4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?

I demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.
Product: Credit card

They either disable auto pay with no notice or the auto pay doesn't show an effective time and they charge a late fee. The posted charge even says auto pay but they still charged a late fee. This has happened 5 different times. They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : XXXX show a past due date of {$1100.00}, XXXX Show Past due of {$1100.00} and Equifax show Past due balance of {$1100.00}. Under XXXX XXXX XXXX account must be deleted by Law. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

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

Attached is the statement from the bank accepting the error not to pay my mortgage I have contacted the servicer they told me to contact the cfpb.
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX I initiated a {$50000.00} transfer from my XXXX XXXX account XXXX to a newly opened CD at BMO XXXX with account # XXXX. I can only give the last XXXX digits because my account is frozen and I can't get the full account number. I initiated the transfer from the BMO XXXX account. On Weds XX/XX/XXXX I noticed that somehow there were XXXX {$50000.00} transfers, XXXX to the CD # XXXX and XXXX to my BMO XXXX savings account # XXXX. I called BMO XXXX on XX/XX/XXXX and told them that there appeared to be a problem and that I initiated only XXXX {$50000.00} transfer to the CD and NOT to the savings account. The sending bank ALLY declined the second {$50000.00} transfer due to lack of funds. After contacting BMO XXXX about this apparent glitch in their online transfer system I received an e-mail on XXXX XXXXXX/XX/XXXX that my online account was frozen. I immediately called BMO XXXX and they connected me to their Fraud department. They then told me that I needed to send a copy of government ID and a copy of a statement from XXXX bank showing that I had an account there. This was after they had already accepted {$50000.00} into the BMO XXXX CD. I sent that information on XXXX XX/XX/XXXX through the BMO XXXX  secure portal and was told it would take XXXX business days to reactivate the account. It has now been XXXX business days and when I called the Fraud department again ( during business hours ) there was no pickup and they said to leave a message. I did so but it has been XXXX hours since doing so and no one has gotten back to me. I want my account unfrozen as I want to transfer funds into my BMO XXXX savings account. No one will give me any information as to if or when any of my funds will be available and I think I have waited long enough. Thank you for your consideration.
Product: Debt collection

Every single day they contact me 5 to 6 times a day all using different XXXX numbers. Every time I answer the phone they start threatening me telling me theyre going to take all of my assets away if I dont pay this debt, the debt that is reported I have no knowledge of dont know where it came from Magically it wound up on my credit report and now I owe them {$710.00} that I have no idea where it came from. When I tried asking them questions they kept arguing with me and getting aggressive so I kept hanging up the phone and blocking the numbers, but this happens at least 5 to 6 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I applied for mortgage financing to Purchase a home. I was notified by the mortgage broker that one of 3 credit agencies : Equifax returned a fraud alert. Equifax attached my social security number to someone else 's name. I called Equifax and was told to mail copies of my license and SS card. This was mailed and received by Equifax ( see attached tracking info ) on  XX/XX/20. I have been calling frequently, sometimes daily to try and rectify the issue but Equifax can not /will not confirm they have received my information. On one occasion i was given a fax # to send the same information. I asked to speak to a supervisor or someone who could acknowledge their reciept. I was transferred to the mixed file unit. They told me my only recourse was to mail my information in and " once received '' they would review it. When questioned, they stated they had no ability to receive faxed information. After hanging I called back and asked for the fax #. I was promptly given the fax #. My information and explanation letter ( attached ) was faxed to Equifax on XX/XX/20. As of today XX/XX/20 they still claim they have no information on me. I also received a letter from Equifax dated XX/XX/20 ( attached ) that states they have no credit information on me. This contradicts the information from the mortgage company and earlier conversations with Equifax. I am nervous because i have mailed and faxed my Social Security Card, Driver 's license and Passport to this agency and they have no record of it. I have no idea who may have my information now. As of today the focus of the call was my lack of identity ( i.e. no credit history ) rather than my SS # being associated with another person. When I asked how long it will take to update my record once they receive my information went quiet and did not respond to the question. They constantly run me in circles telling me they can't do anything without documents, yet can offer no help to facilitate the acknowledgment of receipt. 

In the meantime, I have called XXXX XXXX to see if i can get them to push my credit card history to Equifax to see if that will have some effect. That will be another XXXX business days. It appears my chance to purchase my first home will not be possible. 

Please note : The last XXXX digits of my SS # changes every time I enter in your system so it is likely not correct in the box you asked me to enter it in.
Product: Credit card or prepaid card

On XX/XX/2022 I was contacted by Capital One about the Venture XXXX credit card I opened up and they said that they needed me to submit some information for identity verification. I uploaded those documents on the same day. 

On XX/XX/2022 I called Capital One to make sure that I uploaded everything correctly, they said that I needed to add a few more bank statements and other documents which I added. On the phone they said everything looked good and to wait to hear back. 

On XX/XX/2022 I got a call from a Capital One agent who wanted to get on the phone with my XXXX XXXX  account to confirm some information I submitted. The Capital One agent tried to call XXXXXXXX XXXX multiple times and could not get ahold of anyone. The agent said that my account had then been marked as permanently restricted and there was nothing I could do to get it open again. I tried to get specific information about why my account was being permanently restricted and was connected with a manager who could also not give me any information. I have talked with multiple different agents at Capital One who say there is nothing to be done to prove my identity and they can't give me any information on what the discrepancies were. I have been charged a {$390.00} membership fee for the card which can now not be refunded and Capital One says there is no way of getting back even though the permanently restricted my account and I will have no access to my rewards points or any membership benefits. Being locked out of my account and having to eat {$390.00} without any explanation has been really hard to process and that amount of money is a significant amount to me. I find it absurd that I can't do anything further to prove my identity or at the very least be reimbursed for my membership fee that any benefits of are now also permanently locked.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX To : [ XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion, or XXXX ) ] [ Address of the CRA ] Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Dear [ CRA Name ], I am writing to formally dispute inaccurate, unverifiable, and unauthorized items on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have recently discovered several items on my credit profile that are inaccurate, unauthorized, and negatively impacting my creditworthiness. Additionally, my account was affected by the XXXX data breach, which raises further concerns about unauthorized activity and improper reporting. I demand an immediate investigation and removal of the following items : 1. Collections and Charge-Offs Remove any unverifiable or inaccurate accounts from XXXX XXXX XXXX XXXX XXXX which may be misrepresenting my financial obligations.

2. Hard Inquiries and Closed Accounts I did not authorize the following hard inquiries or closed accounts and demand their immediate removal : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX to the XXXX data breach, my sensitive information was compromised, which may have led to unauthorized inquiries or accounts being opened. Any accounts that can not be 100 % verified must be removed.

Legal Basis for My Dispute : Under FCRA Section 609, I am entitled to request all documentation that supports the accuracy of the accounts and inquiries listed above. Additionally, under FCRA Section 611, any unverifiable, incomplete, or inaccurate information must be deleted from my credit report promptly. Failure to comply with these federal requirements may result in further legal action. 

Requested Actions : Remove all inaccurate, unverifiable, or unauthorized items listed above from my credit report. 
Provide documentation verifying the legitimacy of the disputed accounts or inquiries. 
Send me a revised credit report reflecting these changes. 
Please consider this letter as a formal warning that failure to resolve these issues in a timely manner will leave me with no choice but to escalate the matter, including legal action. 

I expect a response within 30 days as required by the FCRA. If you need further information, feel free to contact me at [ your phone number ] or [ your email address ]. 

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

XXXX XXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue XXXX has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report
Product: Checking or savings account

Prior complaint ID XXXX. 

Issue is not resolved as stated by BMO Harris bank. I still do not have the ability to set up external transfers on the account as state in the company 's response.
Product: Debt collection

this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX  veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!
Product: Debt collection

The collection agency Transworld Systems Inc is claiming that I owe a balance from a lease agreement that I never signed. I tried disputing this information with XXXX  with no resolution. I advised XXXX that the signature is fraudulent, and that if they review my license, it will be clear that it is not my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX multiple times to delete this medical account multiple times. As of XX/XX/2025, the CFPB made the rule that medical debts must be removed from all credit bureaus. This should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX  XXXX XXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Madeapaymentof{$110.00}toXXXXXXXXformyXXXXcardaccountonXX/XX/2019ontheirautomatedsystem.Theirsystemstorestwobankaccountswiththesamebank(XXXX)thatIusuallyusetomakepayments.ThepaymentwassenttothewrongaccountandthebankreturnedthepaymentontheXX/XX/XXXX.andIwasreportedthatImissedmypaymenttothecreditbureau.Ihadadequatefundsof{$18000.00}duringthisperiodintheaccountthatthepaymentwassupposedtobewithdrawnfrom.
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 XXXXXXXX XXXX Account # 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

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres a public record showing on my credit report and it is not verified, I have contacted both the consumer and credit bureau to resolve the issue.