23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of Saturday, XX/XX/2018, I paid my XX/XX/XXXX payment on XX/XX/2018, I have called several times, but still not posted. Naviet said I owe them back fees fro. XX/XX/XXXX to date and along with XX/XX/XXXX {$10.00} flate fee, not true. All said back fees were paid with a Repayment Plan payment 6 months ago for {$250.00} Naviet will not split the fee and payment and credit me. My complaint is emotional harassment and frustratation about their deviance and unethical managing our student loans. I am filing to jump on board the different State Attorney Generals who are suing Naviet for their practices. Thanks XXXX XXXX, Naviet customer and XXXX Struggling Veteran paying my Student Loans.
Product: Credit reporting or other personal consumer reports

I believe that the information reported by Transunion regarding this account is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. Please delete this account immediately for improper and inaccurate information. 

XXXX XXXX ( XXXX ) Account # XXXX Transunion has different information from XXXX XXXX 
Transunion has a different account number different open date, different high credit, different last payment date, and different last activity. As a consumer all credit reports are suppose to report the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX
Product: Checking or savings account

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I also found an account by XXXX XXXX that was also fraudulently obtained with my information! I received notification that my information was involved in a Breach from XXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XXXX XXXX. I contacted several banks and they stated that they had no account on file for me. However according to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXX XXXX XXXX and also a FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts from on Equifax Credit Report are aged at seven ( 7 ) years and are thus to be deleted for that reason. Equifax reported the following to me regarding these accounts, " Between XX/XX/XXXX andXX/XX/XXXX the following accounts were deleted from your credit report. '' However as of today, " XX/XX/ both accounts still remain on my credit report as well as ALL the information involving payments, status, open and closed dates, etc. I sent a letter reminding them that these are aged and that they had told me they were removed but are still showing.
Product: Mortgage

I started my application with CrossCountry Mortgage  XXXX  of  2016. I thoug ht I was working with Sales Manager  XXXX   XXXX  but I was instead passed off to other sales assistants that were not properly trained and did n't have answers. I was given incorrect information, ignored and disrespected to say the least. This would 've been my first home loan and I had lots of questions. When I was able to speak with the loan manager, she was rude, loud and unprofessional. Although I sent in everything I was suppose to, I was told that I threw them curve balls and that I should find another lender.
Product: Credit reporting or other personal consumer reports

Haven't had any luck with Transunion helping me recover from identity theft, while the other two credit agencies have assisted me well and timely. I HAVE PROOF THAT THESE TWO ACCOUNTS HAVE BEEN BLOCKED BY XXXX AND XXXX WHILE Transunion CONTINUES TO VIOLATE MY RIGHTS. 
I am a victim of identity theft. The documents i sent yall XX/XX/XXXX, of fraud items which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity item ( s ) resulting from the identity theft should be blocked, by credit agency and by name of the source, such as the credit card issuer or bank, any type of item, such as credit account, auto loan, & /or mortgage. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

Communication with correct information in telephone conversation on XX/XX/XXXX. Subsequent letter to collection agency in writing with back-up and rejection of the bill XX/XX/XXXX and XX/XX/XXXX. Contact by a 2nd collection agency ( Credit Collection Services of XXXX XXXX XXXX, XXXX, MA XXXX ), with a letter sent with back-up on XX/XX/XXXX and XX/XX/XXXX. Now a new collection letter dated XX/XX/XXXX has been received. No communication from any entity acknowledged any of my letters. 
The fact is that XXXX XXXX submitted incorrect insurance information and despite multiple attempts to assist them, they have never submitted correct information ( and I suspect too much time has now elapsed for them to now do so ). 
They have received invoices from me for my services, that have been ignored. 
In my written response to Credit Collection Services dated today, I have sent them a copy of previous corerspondence, and a notice that I am fining them {$500.00} for each of 3 violations of Section 805 ( c ) of the Fair Credit Collections Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Information and Notification of FDCPA Violations Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained on [ date ]. Additionally, I wish to notify you of violations of the Fair Debt Collection Practices Act ( FDCPA ) by a third-party debt collector that has negatively impacted my credit report. Below, I have outlined the specific issues and the actions I request for resolution.

1. Inaccurate Information in My Credit Report The following items on my credit report are inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX This information is incorrect and does not reflect my true credit history. I have attached supporting documentation, including [ e.g., account statements, payment receipts, or correspondence ], to substantiate my claim. 

These actions are in direct violation of the FDCPA and have caused undue harm to my financial reputation. I have attached copies of my correspondence with the debt collector and any relevant evidence of their misconduct.
Product: Debt collection

I have never had the company before, I have no acknowledgement of this account. It is NOT Mine. I have no idea who opened this account up and left with such an outstanding balance!
Product: Vehicle loan or lease

I've been out of work since XX/XX/XXXX. I've been having severe XXXX  issues recently and it ended up with me being in 5 different XXXX, seeing XXXX, XXXXXXXX XXXX, many XXXX  XXXX, XXXX XXXX, etc. Suffice to say, it's been difficult and I'm currently waiting on my short term disability leave payment to arrive ( delays with the administrator XXXX ). I've slowly been recovering and am expected to return XX/XX/XXXX Complaint : I was 8 days late on my payment, and today with no warning ( no call, no text, no voicemail, no email, nothing ) GM Financial disabled my truck as I got home. I immediately paid online, but they don't have a way to reach humans after hours so I'll be without my truck until Monday in a time where it directly jeopardizes my life. They should've warned me, being without transportation unexpectedly could've caused me great harm, and trying to figure out what the issue was to begin with has made me feel physically sick ( I'm recovering from severe XXXX XXXXXXXX issues, not fun ).
Product: Debt collection

A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. 

I have contacted Experian six times now about XXXX XXXX XXXX. Experian is still reporting this account as an open with a balance. In Fact, This is a closed account and there is no balance due. I have attempted many times to solve this on my own with this company. Three online disputes was sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also sent two letters on XX/XX/2022 and XX/XX/2022. I have also called and spoke with agent XX/XX/2022 to let them know that they are only updating wrong information. Nothing has been done at all. 

I have reason to believe that Experian is now willfully ignoring the fact that they have reported incorrect information on my consumer profile. I am DEMANDING that this is remove ASAP the incorrect information from the credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handiling of disputes, in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT ADJUSTERS is in violation of the law. 

Company is reporting that the account is open when it has been paid. And closed for over 6 months.
Product: Vehicle loan or lease

Dear CAPITAL ONE AUTO FINANCE I, the consumer and natural person, was denied credit by XXXX XXXX  when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE AUTO FINANCE due to the response I received. CAPITAL ONE AUTO FINANCE is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE AUTO FINANCE. If CAPITAL ONE AUTO FINANCE fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CAPITAL ONE AUTO FINANCE criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

I had fraudulent charges on my Wells Fargo account via a debit card. After hours of calling, I was put on the phone with a supervisor, they said that the person who used my card called into Wells Fargo, was not asked security questions, and changed my personal information online. 

Now, a month later, the exact same thing happened again. WF keeps allowing fraudulent agents to access my account via their phone system without proper security. They have obtained my SSN and DOB now as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought home on XX/XX/2019 from XXXX XXXXXXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with Experian to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and XXXX XXXX, who XXXX told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.
Product: Debt collection

This is continuation of the pending complaint, just to clarify further what I am looking in addition to what I described in my complaint with respect to endorsements and assignments, here are four specific things : 1. I would like to know the possession of original HELOC Note and its whereabouts as to who holds it. Is it in standalone form or part of mortgage back securities ( XXXX ) when Countrywide bundled loans and sold those XXXX? 

2. I would like to know a certified copy of its endorsement when Bank of America acquired Countrywide i.e. in what form Countrywide endorsed the HELOC Note to Bank of America? 

3. I would also like to know certified copy of its endorsement when Bank of America sold the note to another bank. My record shows that BOA had the note up until XXXX and sold the HELOC to XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XXXX. 

4. Can Bank of America provide a printout of chain of assignments in MERS system from countrywide to BOA and from BOA to XXXX as to what these dates these assignments took place. These assignments are not recorded in XXXX XXXX recorders office. MERS informed me that I need to get the assignment information from servicer so up until XX/XX/XXXX BOA was owner and servicer of this HELOC. 

thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sofi Lending Corp and XXXX has reported defamatory information about me to XXXX on XX/XX/. I am challenging the incorrect information with the Sofi and XXXX inquiries on my credit report. Where Sofi clearly violated the law. Sofi and XXXX put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with Sofi and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.
Product: Credit reporting or other personal consumer reports

This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation.

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports.

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.
Product: Debt collection

Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX. On, XX/XX/2020, the business informed the CFPB that they would mail proof of the alleged debt and a copy of the receipt showing paid in full. Sixteen days later, this has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I came down with the most severe illness I have ever had. I later found out it was covid. I was bed ridden sick for over two weeks. I was not paid during this time and therefore behind on my financials. I made payment arrangements with all creditors. When speaking with PayPal- the agent accepted my offer that I could only make {$20.00} payments until I catch up and in a couple months I could pay back on track. I kept my agreement and paid. Prior to this ordeal I had 100 % on time immaculate payment history not only with PayPal but with all my accounts. Quite some time later- I find out PayPal reported that I missed two payments. This has been hurting my score and perfect payment history. Its showing negative remarks. I disputed with the credit bureaus. PayPal claimed no inaccuracies. So I called PayPal. PayPal looked into it and apologized for the error. They investigated my history and saw where that call took place and that I in fact did establish the payment plan and paid. I have now been fighting this for two years. My credit is hurting severely over just this one issue. Please help me, as I feel cornered by this error!
Product: Vehicle loan or lease

I have title in hand with GM financial as the lien holder. I refinanced the loan through XXXX XXXX XXXX XXXX and the GM Financial loan was paid off on XX/XX/XXXX. XXXX XXXX XXXX XXXX and Michigan Secretary of State tells me I need to obtain lien release from GM financial in order remove their lien from my title and so that I can then place XXXX XXXX XXXX XXXX as a lien on the title. State law requires gm financial to provide a release of lien within 14 days for Michigan residence with title in hand. I have requested the lien release and proof that my loan is paid in full and GM financial has not provided. They have promised multiple times to fulfill my request and then come up with a wide range of reasons as to why they can not fulfill my request. They even went as far as to say that it's my fault because I paid the loan off too quick. I was required to keep loan for 30 days. I had the loan just over 30 days. Further, they have given me false call back phone numbers and extensions, false fax numbers and a false email handle to their resolution department.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 XX/XX/XXXX and XX/XX/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 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