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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by The XXXX XXXX XXXX, account number XXXX. I have never had any dealings with The XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

For the past two months I have been trying to have my mortgage modified but they have been procrastinating in the process and keep sending me emails stating that there is an error in the paperwork and the application won't be held forward. The main issue is that keep stating that I have a business and I need to submit my profits and loss and I do not have a business and I never said that I had one in any of the paperwork that I submitted to them. They are holding up my application with information that I do not have and did not write down on any of the paperwork that I submitted to them I have told them that multiple times in emails and even to my case worker on the phone, but they still do not listen to me and I do not know what else I can do. I need your help to get Mr. Cooper to listen to me and finish processing my mortgage modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt XXXX attached XXXX that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from XXXX XXXX asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my XXXX account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX XXXX  XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX  XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account # XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX Account # XXXX Delete this account.
Product: Debt collection

Im not even sure how but this company is harassing my family, friends and wife for this debt. They have acquired phone numbers from family members and people who have recent phone number changes. This company has went above and beyond harassing, calling at all hours of the day and night after being repeatedly told not to contact anymore. My entire phone number block list is nothing but this number. 

I am beyond disturbed and uncomfortable knowing that a company can do this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CREDIT COLLECTION SERV ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 

12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Product: Credit reporting or other personal consumer reports

Complaint and dispute against EXPERIAN for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681XXXX is not to be permitted without the consumer 's consent or knowledge. Such is a line item listed as XXXX XXXX XXXX is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EXPERIAN has stated previously in a response to my complaint in the CFPB portal on XX/XX/year> regarding the Credit Repair Act. More importantly EXPERIAN stated its reinvestigation of my Consumer Report/ Credit file has been completed. However, I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report and or credit file according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Informing the consumer of the Certified Verification of the reinvestigation is not what the law 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) demands. Proof of an accurate Certified Verification document is the only item acceptable. NOT HEARSAY OR STATEMENTS! 
EXPERIAN has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding XXXX XXXX XXXX. This is XXXX of my several demands and attempts of EXPERIAN to provide the CERTIFIED VERIFICATION of the investigation regarding XXXX XXXX XXXX in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX lease accounts. one of them is current, another one ( XXXX account number starting XXXX ) was totaled last year and the insurance paid it off, however, it shows charge off account with six month late payments on it. I talked with the insurance company and they told me it was their mistake and they going to fix it asap, so they sent the report to all credit reporting agencies. NO RESPONSE at all it is still in my credit report. 


Other XXXX account, which is still current and I have the car in my possession ( account number starting XXXX ) is showing 30 day late, but I don't have any late payments on it. 
during COVID lockdown I asked XXXX XXXX for payment extension, they approved me, and also told me you are not going to have any late payments on this account, but in the end, they reported 30 day late payment to all credit reporting agencies.I am struggling 5 month. I called Experian 100 times, the answer was Call XXXX XXXX to fix this, i called them more than 100 times, they like its all done don't worry about it .Untill now I have both accounts on my credit report with late payments. Please help me if you can do something I would really appreciate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a FTC report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXXXXXX and XXXX
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$14000.00}.
Product: Debt collection

Violated hippa laws I didnt authorize original company to sell my medical dept to another company I didnt not authorize another company to view my medical debt that violates hippa
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. 

Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor : Capital One Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX 2022
Product: Student loan

It 's disappointing to see the government complete business with an organization that has these alleged complaints. The ambitions of individuals pursuing educational opportunities is being toyed with by an organization that seeks greed. I 've paid close attention to my student loan account with regard to processing payment times, and also how the company did not return calls that I 've made to ask questions. Basically I 've seen the account holder take 3,4,5 business days to process payments I 've made on my loans. Meanwhile, more interest accrued on the principle that subsequently led to a higher repayment amount. Unfortunately I can not total all the extra cash that has been taken from my wallet because of the delayed processing times.The irony with this whole navient lawsuit coming out is that all the issues that I 've experienced with the company were resolved less than 24 hours after the story broke on national news. Processing payment times have reduced from the 3,4,5 days to 1-2 days maximum. Best thing, in a short while I will have my 30 year loan paid in 4-5 years and I will not have to do business with a company that reminds me of certain other companies that have sought excessive financial gain on unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding inaccurate and incomplete information on my credit file, as well as unauthorized inquiries. Despite providing all relevant details and documentation, Experian has failed to respond to my new dispute in a timely and appropriate manner. 
Their lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and respond within 30 days. Additionally, I am concerned about the continued presence of unauthorized inquiries and inaccurate information on my credit file, which negatively impacts my credit score and financial standing. 
This lack of responsiveness is unacceptable, and I am seeking CFPBs assistance to ensure Experian complies with its legal obligations. 

Attached will be the copy of my disputes that I have delivery signatures that show they received them and how they chose not to respond Also on attachment the amount of times and the dates on which they sent me same response via email after a couple tries at disputing I also want to bring to attention about the reporting of an account report on my credit file XXXX XXXX # XXXX where there are all inaccurate and missing information that doesnt match my records but they continue to report this account as verified. I know this account is not varied because I reach out to get the date of this account and doesnt match what on Experian reports. One of the biggest errors is that it reports as a charge off til XX/XX/year> but the last payment was in may how could it still report after last payment day as charge off? This inconsistency is a strong suggestion this account is inaccurate. 
Attached is also documentation to show my concerns.
Product: Money transfer, virtual currency, or money service

Sold items on XXXX through PayPal starting XX/XX/2019 all items sold correctly and Buyers all stated they received items. PayPal is holding my money for 6 months now and it has been 2 months already. I have been treated rudely by customer service sometimes 5 hour waits on phone calls. I am XXXX and need my money badly to pay bills etc
Product: Debt collection

Wakefield & Associates Had claim a debt no mine, had Reported to the credit bureau a debt account does not belong me. 
Please seePDF letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CURACAO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was affected by the XXXX Data Breach. This is a unauthorized account that does not belong to me.
Product: Checking or savings account

I had a joint bank account with my wife, and we received authorized Unemployment benefit for my sister in law and authorized by her. The Bank has flagged suspected fraud and closed the account and never return the money us. We have visited few times to the branches and they have called to bank security department and promised us they money will be refunded soon with cashier check.

Later i have called many time to speak with bank security department to release this money, they also promised that the money will be refunded with cashier check.

after six month, we didn't received the money than we called again, finally they said they will not return this money because of third party payment. and I have explained them she is my sister in law living with us at same address, she authorized us to take her money into this account, if you want I can send her authorized letter to bank. but they said, let finished the investigation than we will release this money. 

But I was continually contacting with bank but no result or hope. Finally I was very upset than we try to open another account with bank but they denied also they have blocked open account with any other banks. 

I have provided and disputed many times with third-party documents but no favor comes to us and never refunded this money nor allowed to open an account. 

Finally, reporting this issue with CFPB to help us get this fund back and allows us open bank account.
Product: Debt or credit management

Level one law said they would negotiate my debt and never did. Took XXXX and not XXXX account was settled. Did refund XXXX and said rest was fees
Product: Prepaid card

I purchased a {$200.00} gift card from XXXX XX/XX/2023. After receiving the card and opening it, three numbers were scratched off and I was unable to use the card. I immediately contacted Incomm about the issue. On 2 occasions they were supposed to have mailed me a replacement card with my funds on it. I never received the card, and no communication with them.
Product: Student loan

This is an addendum to my previous complaint against Mohela with the Consumer Financial Protection Bureau ( complaint ID XXXX ). On XX/XX/year>, I sent Mohela the following message on their mohela.studentaid.gov website : " I faxed Mohela a paper application to switch to the IBR ( Income-Based Repayment ) plan on XX/XX/year>. More recently, I submitted an online application through studentaid.gov to switch to IBR ( Income-Based Repayment ) on XX/XX/year>, and Mohela received that online application on XX/XX/year>. According to the website at XXXXXXXX XXXX XXXX it states : 'As described below, servicers may place borrowers into a different forbearance category, known as processing forbearance, if the servicers need additional time to process those borrowers applications to enroll in IDR, recalculate their payments on an IDR plan, or recertify their incomes for their IDR plan. In contrast to the general forbearance for borrowers enrolled in SAVE ( previously known as REPAYE ), interest will accrue while a borrower is in processing forbearance. Additionally, time spent in processing forbearance ( up to 60 days ) is eligible for PSLF and IDR credit. Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. ' I request to be placed into a processing forbearance now ( since I am still waiting to be switched to Income-Based Repayment ), for up to 60 days, so I can continue receiving credit toward Public Service Loan Forgiveness. I will also send proof of the processing forbearance I am requesting from Mohela to studentaid.gov and the Consumer Financial Protection Bureau, the latter of which I have already filed a complaint against Mohela with. Thanks. ''