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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX NI Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I've uploaded the files on which of the accounts are not mines
Product: Student loan

Heartland ECSI is a loan servicer on XXXX of my student loans. Charged what they are calling an AR loan charge to my account a one-time payment of {$4000.00}. I was not alerted or provided anything in writing explaining the charge. It has messed up my credit. I tried to make a payment plan as a one-time charge of {$4000.00} was out of my means. They put my account in collection and reported it to my credit. A payment plan was not going to help and they claimed I had to pay everything at once. I have finally settled the debt after a lot of saving and getting a better job. I have reached out several times asking if it can be taken off my report and they are saying they can not do anything about it. I have reached out to the credit bureaus and they say it will have to be Heartland ECSI that takes that off my credit. I am now stuck in limbo and struggling to get any credit card or loan after working so hard to pay a one-time huge charge of a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report XXXX XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and equifax on this matter
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the 4 accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX If, after 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 deleted 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
Product: Student loan

Went online to look for repayment options at the department of education website. While trying to apply for income driven repayment, I accidentally applied for a consolidation. The website still provided me an IDR form that I printed out at the time ( thinking I had just completed that part, not a consolidation ) and sent to XXXX to request the income driven repayment. XXXX responded within days of the request outlining the new payment arrangement and provided no indication that they were no longer servicing my loans. I went out of town for a week for my grandfathers XXXX ( can provide evidence through flight receipts and obituary ), when I returned home I had some mail indicating that fedloan servicing was now handling my loan and I had 10 days to reverse this. I was unable to contact them during that period, but attempted to contact them within 15 days to determine my options and figure out how I had made the mistake. I first spoke to a young lady that just kept repeating that she was documenting my complaint and that it was my fault for esigning and she ca n't help. I get transferred to a " supervisor '' who claimed he would file a request with the department of education to let them know my concerns and attempt to have the loan moved back to XXXX. He also advised me to send in the IDR because it was not likely the Department of Education would address my mistake by unconsolidating the loans. The IDR was sent to fedloan servicing in XX/XX/XXXX, stating I would hear back in 10 days or sooner. Took them more than a month to deny the IDR, siting first that they were missing " Page 2 '' of the IDR when I called. The rep also told me they " resolved my complaint '' as " unsubstantiated ''. This rep also claimed they did not send anything to the Department of Education as they had claimed. They did not contact me in regards to this complaint. Yesterday, they called me during work hours, after I asked them not to, to let me know the IDR was incomplete. This time, they claimed they were missing my income information. Keep in mind I sent them the same documents 2 times that were received and processed successfully by XXXX in a matter of a few days. Fedloan Servicing is clearly intentionally " missing '' documents to not allow students to enter repayment plans. Furthermore, I feel deceived regarding the consolidation in the first place. I feel like practices employed ( lying about contacted dept of ed, lying about what is " missing '' from the request, continued calls during work hours ) are unfair and deceptive in nature.
Product: Debt collection

Have been getting repeated phone calls from Jefferson Capital about XXXX XXXX. I sent Jefferson Capital a verification letter about this and have not received a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, Wells Fargo/XXXX XXXX XXXX XXXX refuses to take off the hard inquiry off my credit reports. This is part two of my first complaint. 
The representative said -they can't take it off because of FDIC.I told her she is wrong. 
I asked her what law supports your position? I was told it would be a SOFT inquiry by XXXX 's cashier. It was a hard inquiry the next day on my credit reports. 
These 2 businesses are ONE together. 
As a kind business gesture, I am asking again to Well 's Fargo/XXXX XXXX XXXX XXXX to REMOVE this hard inquiry for it was misrepresented by your employee to me. 
Please confirm with a letter to me you did this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital Systems , LLC for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Jefferson Capital illegally reported a negative item on my credit report since 2022 despite the information being inaccurate.

This false reporting damaged my credit score, causing denied credit applications, higher interest rates, and financial hardship. Only After filing a previous complaint with the CFPB, Jefferson Capital removed the inaccurate item but failed to acknowledge their wrongdoing or offer any compensation for the harm they caused.

Despite multiple attempts to contact Jefferson Capital regarding compensation for their violations, they have ignored my requests and failed to respond. 
Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), Jefferson Capital Systems is required to : Accurately report consumer credit information.

Promptly investigate and correct disputed information.

Compensate consumers for financial and emotional damages caused by their negligent or willful reporting.

Jefferson Capital failed to meet these legal obligations, and their actions have caused significant harm to my financial stability.1. Jefferson Capital Systems , LLC falsely reported a debt on my credit report since XXXX XXXX XXXX 
XXXX. I disputed the entry and subsequently filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
XXXX. Following my complaint, Jefferson Capital removed the negative account, acknowledging the reporting was improper.

4. Despite this, I have not received any response or compensation for the financial and emotional harm caused by your unlawful reporting.

Legal Basis for My Claim : Under the FCRA, 15 U.S.C. 1681n, Jefferson Capital is liable for : * Willful violations of credit reporting laws. 
* Up to {$1000.00} per violation in statutory damages. 
* Actual damages, including financial harm, emotional distress, and damage to my credit. 
* Punitive damages for knowingly reporting false information.
Product: Mortgage

Hello, My mortgage at ditech/green tree services was sold to shellpoint financial, when sold ditech was reporting me delinquent. Shellpoint then transferred that delinquency to two of my credit reporting agencies, XXXX  and XXXX  only. Ditech/green tree was reporting incorrectly, they are now bankrupt and no longer in business. I have filed a dispute with all three credit bureaus on ditech and it was removed however shellpoint is still reporting the delinquency. I attempted to pay ditech at which time they told me to pay the new company ( shellpoint ), I called shellpoint for two months at which time they advised that I was not onborded yet and they would let me know when so I can make the payment. Once I was on boarded I was able to make my payments. At which time I made all payments and have proof of all payments. I am not sure why they are reporting me delinquent, I have proof of all payments and it clearly states that I am up to date on them. This was being reported in early 2020, I believe the delinquency was reported for XXXX and XXXX. Technically I have 90 days to transition to a new lender, and secondly, this was in the middle of Covid, I believe this is wrongly reported. I have made multiple attempts to work with Shellpoint, I do not get any returned phone calls, they do not reply to my emails, and they are non responsive to me. Unfortunately I have spent so much time trying to be patient and work with them to no avail, I have a clear history of on time payments and more than the minimum paid. This is an error on their part and not communicating is making the situation even worse. It is impacting my ability to get a new home, at which time I can only pray it is not going to be serviced by Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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, credit repair services, or other personal consumer reports

I requested my annual free credit report, Transunion, XXXX, and XXXX  are all saying they can not verify my Identity and that I must request it in writing. They do not want to give me a copy of my credit file as they are refusing, they as all three credit bureaus are wanting me to send copies of my utility bills and drivers license, and my Bank Statement to them by email. 

I have filed several complaints against them so they have my information on file, I refuse to share my Banking information with the and I do not pay a utility bill as my sister pays that, My drivers license expired but I have a U.S. Passport and still have my Drivers License. but they are refusing to use my Passport as I.D . 

As they have several complaints that I have filed against them through your agency, they have all of my information and there should be no reason for them to deny my request for an online credit report and score, I am willing to pay for the score but the report should be free every week. They are making it difficult for me to see my credit file. 

Your agency has all of my complaints and their responses since 2018, so I would like access to pull my credit report as your agency has every request and their responses, thus they can not say the can't verify my info. 

I have the rigiew mit files online like everyone
Product: Money transfer, virtual currency, or money service

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

I was cosigning for my son 's college loan and was declined. My credit score has between XXXX for 20 years. requested a credit report & found XXXX delinquent payments to XXXX. Have n't been with XXXX for two years switched to XXXX. When I called XXXX they said it was for an address in Ohio. My inlaws who were part of my friends and family network. They switched to XXXX 4 months ago and have problems getting XXXX to close their account. evidently the account went to collection. I was never contact by the collections company. My sister inlaw has been trying to get a copy of the bill but the collections company does n't have access, finally yesterday XXXX/XXXX/XXXX I called XXXX with her account number and they said they would send her a bill. She received it electronically and paid it and said she would work with XXXX to get reimbursed. For at least 15 years my inlaws had XXXX i had no idea I was anything more than part of the friends and family network. I called the collections agency who said they never sent anything to my address since that wasnt ' the address for the account. When I gave the account number to XXXX XXXX at XXXX collection she said the account had been paid in full and she gave me XXXX approval codes. She advised me to contact XXXX Recovery Dept. and give them these approval codes ( XXXX and XXXX ). Sue told me she could n't take the delinquencies off of my credit report but that verizon could do it. I 've spent more than 4 hours speaking with various people or waiting on hold with verizon. The last women XXXX while very apologetic said there is nothing she can do. she said that these would stay on my credit report until XXXX which I told her was ridiculous. I 'm contacting you asking for help, please look at my credit report you 'll see that i 've always paid my bills ontime and have had good credit. I 'm not sure if this is the right approach but am just looking for help. 
Thanks you for helping me. 
Regards, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account reporting on my credit report inaccurate and missing information. 
inaccurate account number, missing payment status, missing term, showing reporting negative.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonour ed FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as it is already corrected from the other bureaus. You have days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX of XXXX, I did a XXXX XXXX XXXX with my credit union and on XX/XX/year> they mailed a check in the amount of {$3100.00} to be credited to my account ending in XXXX. I started receiving delinquent notices indicating my payment had not been received- I went back and forth between my credit union and Synchrony bank trying to find out what happened to my payment. They provided me provisional credit at least 3 times while they looked for the payment. Then they finally sent me a letter indicating that they never received nor cashed the check- even after I sent them a copy of the cancelled check from my credit union . The cancelled check clearly states it was cashed by Synchrony Bank on XXXX. My credit Union also contacted and wrote a letter about the check and sent them another copy. It has been almost a year and the check has still not been credited to my account. I got a final letter indicating that they still will not accept responsibility for the missing check. I can not put a stop payment on a paid check that old. I assure you that I have done everything I know to do except hire a lawyer to resolve this issue. Please help me recover my {$3100.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and dXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to request that you guys verify information that you are reporting that I questioned on XX/XX/year>, XX/XX/year>, XX/XX/year> and still no response. I am aware of my rights to an accurate report as well as the XXXX  days allowed for investigation.
Product: Checking or savings account

Well I heard a XXXX lawsuit was being out and wellsfargo has a habit of abusing its customers when you send money through XXXX if its the wrong person they cant help you even sometimes when you send the money to the correct person and XXXX is suppose to be instant the person doesnt receive the money and it says pending on your end its happened to me before. They try to tell you the person youre sending money to doesnt have XXXX but their information would not have popped up if they didnt have XXXX I know because Ive had to reenroll before because my XXXX wasnt popping up. To mention the crazy amount of late fees wellsfargo charges irs ridiculous.