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

Recently, I reviewed a copy of my credit report and noticed several inaccuracies with the following account, which is negatively impacting my ability to obtain credit. I understand that the credit bureaus are required to investigate accounts to ensure their accuracy. Below is the account I am requesting you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsections A-D, please provide the names and business addresses of each individual with whom you verified the account, so I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation.

Upon further review, I also discovered several inconsistencies in the reporting of this account across multiple bureaus, causing inaccuracies that must be corrected.

Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are obligated to protect consumer privacy. The continued reporting of this inactive account poses a risk of unnecessary exposure of non-public personal information.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XXXX  XXXX, 2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Mortgage

Hello my name is XXXX. since I purchased my property 22 years ago the API was at 9 % too high! & still is. because of the economic issues that been going on and because of my age ... I have n't been able to make my payment on time every month. my only income is my Social Security it 's not that much. No bank wants to help me to do a modification so I can lower my APR. Can someone help me or Direct me to the right person to get some help. My phone number is XXXX thank you in advice!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting Past Due : XXXX reports Payment Status : Collection/Chargeoff {$980.00} Last Reported : XX/XX/XXXX Equifax reports {$980.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX XXXX Account XXXX Reports {$970.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX Equifax reports Past Due XXXX {$970.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX I have requested that they provide me with a 1099c since they charged this debt off. Ive also asked them to remove this of my report due to inaccurate reporting
Product: Credit card or prepaid card

My XXXX  credit card bill is {$550.00} my credit limit is {$300.00} and I have not used the card in over 8 months. ( Part of the time I was suffering from XXXX and was unable to keep up and I believe that the company took advantage of this fact. ) The over the limit information is being reported negatively on my credit report along with inaccurate information about payments being late. XXXXContinental Finance refuse to resolve the issue and I have tried numerous time to do this. Even though I requested duplicates of my bill for verification of the facts the company never provided me with them. 
Payments have been misapplied since XX/XX/2023. I made contact with the company several times in XX/XX/2023 and XX/XX/2023 and XX/XX/2023 trying to get the issue resolved. I complied with their request, made additional payments and supplied specific information regarding my bank account. to prove that the money was available for my payments. 
In addition in XX/XX/2023 I attempted to make yet another large payment to bring down the balance and requested that they waive all over the limit and late fees due to the circumstances the representative for the XXXX XXXXContinental Finance that claimed to be a supervisor, refused to process another payment over the phone and stated for me to wait for customer service to contact me with the resolution as they asserted that payments were returned by my bank. I waited and they never contacted me. 
Again I attempted to go online to make a payment and my information could not be found, I called in to the XXXX XXXX and was told at the beginning of the call that " THIS IS AN ATTEMPTTO COLLECT A DEBT! '' I requested to speak with a supervisor, the rep put me on hold and returned and stated I'm sorry your account has been sold! 

I told the representative that I did not want the account sold and that I would pay and I have been on hold for 55 minutes. As of the submission of this complaint no one of the XXXX staff has come to the phone to address my concerns.
Product: Credit card

i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.
Product: Debt collection

I had XXXX XXXX in XXXX of 2022. XXXX XXXX XXXX XXXX XXXX insurance plan clearly states I have a {$100.00} copay. The morning of my XXXX when I checked in, I paid the {$100.00} copay. I have the receipt. It is also on my bank statement. The medical provider referred me to collections. My debt was changed to 3 different debt collection agencies. Each time I fought it and provided proof of payment rendered. I now feel harassed and am tired of explaining it to new people at new debt collectors. They called me at work, which was embarrassing. I even called XXXX XXXX to see what I should do. The agent on the phone said it clearly shows I paid the {$100.00} copay. Im not sure what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going several rounds with grossly incompetent Equifax employees, trying to get information on my credit file removed, that was the result of identity theft, I finally thought I had success. Unfortunately that wasn't the case. Sadly, even though the dispute results they have provided me indicate that the information was removed, it is still active on my credit file. I have exhaustively tried to work with the poorly trained staff, to get this fixed but every person I speak with provides a different story and none of them have resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA-a collection agency, put an old debt on my credit report as opened XX/XX/XXXX. The original creditor was XXXX fios-which first appeared on my credit report XX/XX/XXXX. It appears Eos is trying to make the 7 year clock start ticking from XX/XX/XXXX. I have disputed XXXX regarding the amount when XXXX put it on and now I have to dispute the length. I have read up on this company. Shamefully there are numerous complaints about them reviving old debts some as far as 10 years. I have not validated this debt with this company or agreed that I owed and would pay. I want them to take this off my credit reports and be held accountable for breaking the law. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
Product: Mortgage

Below is the email I sent to Wells Fargo. I paid my mortgage payment and credit card payment this month. Both were returned and a {$27.00} fee was added to my bill. I've read several other related complaints against Wells Fargo while investigating this. 

I'm wondering if Wells Fargo is attempting to benefit from scamming their customers. I paid my credit card payment twice last month and Wells Fargo returned the first payment. Just like Wells Fargo returned my first mortgage payment. 

I got charged a {$27.00} " returned check fee. ". 
I didn't write a check. I transferred money from my XXXX checking account and I have sufficient funds. My minimum credit card payment was {$20.00} higher than last month and I haven't used that card in over a year. Also, I've been receiving multiple letters a week referencing my mortgage is XXXX days delinquent. 

I would like to speak with a representative in reference to these incidents. I work nights so I'll be available by email to call a direct # or by phone after XXXX XXXX  est. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

My balance has not been updated since XXXX. It has ruined my credit score and my ability to get a good mortgage. It takes weeks for a response and people in customer service XXXX XXXX XXXX XXXX. It's been a nightmare. I'm thinking about getting a lawyer at this point. It's unfair. Bread Financial doesn't give a damn about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. XXXX finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, XXXX reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that XXXX  provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES AcXXXX, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.
Product: Student loan

I am being harassed by Navient, although I received approval for debt relief from the Federal government, which is unfortunately on hold due to a court order, however, I received an email on XX/XX/XXXX from XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX serviced, but yet still being harassed for payments by Navient. Navient made claims that I was not eligible for debt relief, only Direct Loans were qualified, however, I did receive an email confirming I was approved prior to the court issues. When I told Navient to stop calling to only communicate to me by email on XX/XX/2023, I still continue to get calls, and now calls from another number but still XXXX XXXX XXXX twice on XX/XX/2023, and again on XX/XX/2023, it was Naivent calling and harassing me, when I repeated to no longer call me, the person on the phone continues to ask me for payment and would refuse to listen to my request for no phone calls. Can you please assist me or how this company can be reported and prevented from calling me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 EQUIFAX : 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: Student loan

I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I was approved for the forebearance for 12 months. 3 months later I was contacted for a payment ( according to them I called but they refuse to let me hear the recording ) asking for a payment. I told them I could not afford to make a payment and was encouraged to make fill out for a IBR. They rep told me since it is income based and I have no income that I wouldnt have to make any payment. There was no mention that my account was still in forbearance which meant I didnt have to make a payment anyway. Turns out at the same time I was using forbearance time as well as under the IBR plan.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updited as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statute of limitations. You faled to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I have no knowledge of these accounts and was never given an opportunity to dispute them.
Product: Credit card

Best regard The following complaint is to make a complaint to Bank of America and the Visa Unlimited Cash Rewards Credit card, since they have been charging me dishonest and unjustified interest. 
They granted me credit on a card that currently has its last 4 numbers ending in XXXX since they decided to change the card number during the year of use. The agreement established with XXXX XXXX XXXX was that they gave me the credit card with XXXX interest payments for 18 months. 
I started using the card on XXXX XX/XX/XXXX and the agreement was for 18 months, meaning that the term should have been met on XXXX XX/XX/XXXX ; but they decided to start charging me interest on XXXX XX/XX/XXXX in the amount of {$140.00} when in reality the agreed period of 18 months was due on XXXX XX/XX/XXXX. Given this, I decided to make a claim to the Bank, but they told me that the system did not allow them to return the money, because supposedly, according to them ; The deadline had already ended and that in the course of the days they would decide what to do, so I waited patiently without any result. 
Then I had to desperately get the money and decided to completely pay the card debt with a balance of {$6100.00} on XXXX XX/XX/XXXX and I did this with one month left of the promotion I had to use the card without any interest. 
But this was not dishonest enough for Bank of America and its Visa card, when I had already paid my debt in full, they again charged me interest of {$100.00} on XXXX XX/XX/XXXX to which I felt attacked and made another claim for their dishonest treatment, to which they responded in the same way as what was previously mentioned. 
So I felt so humiliated that I decided to close my checking account after 13 years of having an account with them, and they didn't care at all about how loyal a customer I had been. I changed banks, of course still leaving my credit cards open, but as much as possible today I try to use them very little. 
Then on XXXX XX/XX/XXXX I paid the dishonest amount that they had charged me in the amount of {$100.00} so as not to have any other problems with this card. 
Due to the aforementioned, I have decided to go to the CFPB to help me recover what belongs to me and not let these entities get away with this and continue committing this type of fraud and deception. What exactly I am asking for is that the two charges for unjustified interest charges of : XXXX XX/XX/XXXX {$140.00} and XXXX XX/XX/XXXX {$100.00} be returned In total it would be {$250.00} which I ask to be returned to the card as soon as possible. 
thanks for your help
Product: Debt collection

I received notification from Performance something company that they were withholding my income tax return for a fraudulent amount owed to XXXX during the COVID-19 ordeal. I am in Louisiana and this is not allowed nor is the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXXXXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN XXXX
Product: Credit reporting or other personal consumer reports

Transunion has blocked me from accessing my personal credit reports am completely unable to access my file online or via the phone. I think it is preposterous that company is reporting info about me and my finances and I am unable to QUICKLY access the same info about MYSELF. They say this is due to fraud claims submitted in the past however blocking me from my file and knowing what's on my file is NOT preventing fraud. I HAVE BEEN RESTRICTED from MY credit file for at least XXXXXXXX XXXX XXXX XXXX  NOW! ENABLE MY FULL ACCESS NOW! THIS SHOULD BE ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a certified letter to the US Bankruptcy Court Eastern District of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

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