23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with bank America and closed the account the same year but on there they had reported it as fraud act which never happen. Yes I owed funds but never any fraudulent act in which is being reported on my credit file and isnt allowing me to get a bank account or business account for my company. Ive paid off the amount old as I have a receipt from the bank when I went to pay the balance. But Im still getting reports that there is a fraud being showing to other bank, I would like to please remove that as Im getting frustrated and would be taking legal actions if this dont get taken care of by end of month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed the following item on my credit report. THIS IS A FALSE INCORRECT INFO REPORTED BY XXXX XXXX XXXX. I WAS NOTIFIED BY THE INVESTIGATOR AT DEPT OF JUSTICE, US ATTORNEYS OFFICE, THIS COLLECTION COMPANY OPERATES UNDER VARIOUS NAMES, CREDIT CONTROL SERVICES, ETC AND HAS NUMEROUS COMPLAINTS IN THEIR DATABASE. THIS IS A FRAUD COLLECTION COMPANY. I HAD AN ACCOUNT WITH XXXX, THE DATE OF COLLECTION IS TOTALLY INCORRECT. I MOVED OUT OF THIS SERVICE ADDRESS IN XXXX XXXX 2022, XXXX XXXX IS REPORTING, XXXX DELINQUENCY, XX/XX/2022, WHICH IS TOTALLY FALSE AND INCORRECT. I PAID XXXX XXXX IN FULL. PLS SEE ATTACHED LETTER FROM EXECUTIVE OFFICE OF XXXX, WHERE ITS CLEARLY STATED " UPON FULL PAYMENT, ALL CREDIT COLLECTION MARKS WILL BE REMOVED ''. TRANSUNION HAS BEEN REPORTING FALSE INFO ON MY CREDIT REPORT, THE FIRST DELINQUENCY DATE IS INCORRECT, BALANCE IS INCORRECT, I DISPUTED THIS ITEM XXXX  TIMES WITH TRANSUNION, CALLED THEIR CUSTOMER SERVICE, I SPOKE TO MULTIPLE AGENTS, THEY PROMISED THAT THE MANAGER WILL CALL ME FOR MONTHS, I DID NOT GET ANY CALLBACKS, STILL THEY HAVE NOT CORRECTED THIS COLLECTION ITEM. UPON CONTACTING DOJ, A REP FROM TRANSUNION RESPONDED AND GIVING FALSE INFO IN HER LETTER, THE XXXX XXXX HAS CLEARLY STATED THEY ARE NO LONGER IN PARTNERSHIP WITH XXXX, AND HAVE REMOVED THIS, BUT TRANSUNION IS STILL REPORTING THIS NEGATIVE ITEM ON MY CREDIT FILE. PLEASE KINDLY HELP ME WITH THIS PROBLEM, THIS IS AFFECTING MY CREDIT SCORE AND I AM UNABLE TO GET HOUSING, CREDIT ETC.. THANK YOU SO MUCH. 


View full complaint
Product: Credit reporting or other personal consumer reports

I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My vehicle loan was being serviced by XXXX XXXX  XXXX XXXX   XXXX 'XXXX  ( XXXX ). I received statements from the company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I called White Coast and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by Whitecoast Trust to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with Whitecoast or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. White Coast Trust has not sent any communication and the customer service line in unhelpful. XXXX has advised that they sent my payment of XXXX XXXX XXXX on XX/XX/2020. I have no account number for Whitecoast but customer service is able to locate me through my ph # and my Social Security Number.I was provided this address for White Coast by the customer service agents at Credigy. White Coast Trust Address : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX DE, XXXX. Only ph # is XXXX. I can not find any information about White Coast Trust online.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized hard inquiry on my credit report attributed to XXXX, dated XX/XX/year>. I did not authorize or initiate this inquiry, and its presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer credit reports can only be accessed for permissible purposes or with explicit authorization. 

Under the FCRA, hard inquiries are only allowed when : The consumer has applied for credit. 
The consumer has authorized the inquiry in writing. 
The requestor has a legally permissible purpose. 
I have no relationship with THD/CBNA, have not applied for credit with them, and did not authorize this inquiry. 

Therefore, I am requesting the following : Immediate Removal : Removal of the unauthorized inquiry by THD/CBNA from my credit report. 
Proof of Authorization : Documentation demonstrating my authorization for this inquiry. If such documentation does not exist, the inquiry must be removed promptly. 
I have previously provided supporting documentation to the credit reporting agency to assist with the investigation and expect a response within the legally mandated 30 days. 

Thank you for addressing this issue promptly
Product: Mortgage

Overpaid property taxes year XXXX. Freedom mortgage over projecting property tax for year XXXX, which is causing incorrect monthly payment amount. Freedom mortgage continues to pay property tax twice a year instead of city requirements of paying property tax once a year. Missing funds from escrow account.
Product: Checking or savings account

Hello and thank you for helping, I wanted to please reach out because I noticed transactions on my checking account at are not authorized. 

Funds re being withdrawn every 2 weeks since XXXX and am please requesting to have this stopped and my funds reversed. 

I attempted to resolve the issues however the agent said to call the merchant? Ive never even dealt with the merchant and dont know what to do {$60.00}- XXXX XXXX XXXX I googled them and see people reporting this bank as stealing money and continuously withdrawal from accounts that arent theres
Product: Student loan

I have been paying on 1 of my student loans with Navient but instead of the payments going to the balance, my payments have been going to late fees and interest. The problem with that is whenever I have been late in the past, the fees and interest were added to the previous balance. Therefore by Navient putting my payments towards those fees and not reducing the balance I am paying for them TWICE. Not only that I have 2 loans and I have chosen to pay off the smaller loan. The fees aren't that much but instead Navient is putting my payments towards the entire amount of both loans even though I have specified exactly which loan I want my payment to be applied to. Since XX/XX/XXXX until XX/XX/XXXX, I have paid a total of {$1200.00} of that amount {$630.00} have gone to interest and late. fees. The total amount that should be paid on Loan 1 is {$1500.00}. How can Navient ADD late fees and interest to my account and then submit my payments only to those fees but my balance does not decrease? Also, since I am given the choice of which loan I want to pay off what right does Navient have to put my payments where they want them to be? Not only that they report to the credit bureaus every month that I am NOT making payments.!!
Product: Debt collection

Contacted this agency to let them know one the amount that they were trying to collect was wrong. That I never received an amount close to that and that some of what I did receive was paid already. They did not want to here that and told me I had to pay all or nothing. Just dispute it. Which I have done to no avail. The amount is wrong and is almost double. I asked for a settlement and they said the settlement is the whole amount.
Product: Student loan

I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.
Product: Debt collection

On our around XX/XX/XXXX I obtained my credit reports and noticed collections that I believe to be incorrect of not mine. Upon these findings I requested proof of debt, I reminded them they were contacted on or around XX/XX/XXXX that I had been a victim of fraudulent use of my SS # and/or credit cards. I wrote LVNV and Resurgent Capital in regards to the {$2200.00} that they claim I owe them. On XX/XX/XXXX I sent my first letter requesting viable evidence bearing my signature to LVNV/Resurgent Capital to verify this was indeed my debt and I am legally obligated to pay LVNV and/or Resurgent Capital Services. Per the Fair and the Fair Credit Reporting Act they are required to provide " validation '' upon my request. The validation must include, but not limited to " competent evidence bearing my signature, showing that I have, or ever has, some contractual obligation to pay them. If they could not provide me this evidence they must delete from my credit report and immediately stop collections. 

After the fist letter I sent referenced above I received a letter back saying they have investigated the account and found it to accurate, yet failed to provide any requested and required documents. I responded, XX/XX/XXXX stating they failed to provide the required documents. The XXXX again responded by sending another letter saying the debt is valid, and included a statement of the account, no signature, again none of the required docs. I responded XX/XX/XXXX stating they still have not provided adequate evidence proving this was indeed my debt, or the entire debt was mine, I have no idea. I also responded XX/XX/XXXX to another letter send by Resurgent on behalf of LVNV that had demanded payment and said everything has been verified. This is untrue, nothing has been " legally '' verified, and I have given 4 months in good faith asking them to please get this right, and provide the signed contract, and to please explain the process of verification, along with whom verified the account incase I had questions. Not once did they comply with the FCRA & FDCPA ( included violations, but not limited to FCRA sec XXXX, FDCPA sec XXXX ) guidelines set to protect consumers.
Product: Debt collection

On XX/XX/2021 I sent a certified letter to AWA collections to verify the alleged debt they are reporting on my credit report. Its been more than 30 days and I have not received any response from them. They are in violation of my consumer rights.
Product: Debt collection

I have asked 3 separate times for a letter saying my debt was paid so I can have it removed from my credit card and the debt company used by XXXX XXXX XXXX can not seem to get me the letter. I only received the collection notice because I moved and never got a bill via US Mail. I need this letter to complete a process and these people are INEPT at getting this done. The company is Enhanced Recovery and their number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep not being able to be verified by the many company that use lexisnexus and it is causing a huge headache and is a huge pain in the XXXX. This company is so difficult to get in touch with and does not understand that when they make a mistake it affects peoples lives tremendously. All of the money that they are making they should invest more of it to make sure people have easy access to their own report and easy to correct incorrect information. A company that pays can easily get information instantly about you but it can take months for you to get your own.
Product: Debt collection

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Leasing Agent), XXXX XXXX  (Property Manager), XXXX XXXX XXXX, esq. (Attorney for Landlord; XXXX XXXX)
o	RE: XXXX XXXX  (Property Manager) request for XXXX XXXX  and XXXX XXXX  (Tenants) to provide written acknowledgment of Oral Agreement with regards to Intent to Vacate Tenancy

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) regarding service of the ‘Writ”; Summons, Complaint for Non-Payment, and Notice to Quit.
•	XXXX XXXX  (Property Manager) emailed XXXX XXXX  (Tenant) advising that she had, “entered the move out date in the computer and notified XXXX XXXX, Attorney.” XXXX  further stated, “He will not be going forward with the eviction and has not filed anything further with the court. If anything changes please let me know.”

XX/XX/2016:
•	XXXX XXXX  and XXXX XXXX  (Tenants) entered in to written lease agreement for the premises located at: XXXX XXXX XXXX XXXX, CT XXXX
o	Note: A copy of this lease has been provided to the Collection Agency to support our claim that our tenancy had terminated

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Attorney for XXXX XXXX)
o	RE: Tenancy terminating effective XX/XX/2016following a completed walk-through of dwelling unit
XX/XX/2016:
•	XXXX XXXX  (Tenant) received a Notice of Collection via USPS and immediately contacted the Collection Agency via phone
•	Collection Agency Representative instructed XXXX XXXX  (Tenant) to email ‘XXXX  and attach the written agreement between us, (Tenants, and the Original Creditor (XXXX XXXX)
•	XXXX XXXX  (Tenant) emailed ‘XXXX  and attached the written agreement (Intent to Vacate)
o	Note: Written agreement shows that the debt was settled and account was closed “in good standing”
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! How are doing? I am disputing the late payment that I have on my reported to the three credit bureaus.My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion smart move is reporting incorrect information on my rental history. They are reporting I have been evicted from my home that currently still reside. I sent correspondence to them to remove incorrect information and it still remains. dispossessory was filed in error by landlord and case was dismissed by the judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian account that I am being blocked from accessing. I have contacted Experian on several occasions to have the log in changed, phone numbers changed, password resets and they have refused to delete the account so I can sign up using different email address. I have also explained that my identity may be used after my passport was stolen in XXXX. Some of my minor child 's info may have also been used and if to prevent it I was signing up with Experian. Before I could pay for the subscription after the free trial, the agent I spoke with cancelled the membership saying that might be why I can't log in. After he did that I was still not able to log into the account. Experian has blocked my access on all credit platforms, including my FICO account which comes with all three bureaus.
Product: Debt collection

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written XXXX instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted 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 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: Consumer Loan

I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to XXXX and provided proof of XXXX XXXX  account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.