23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Im due a refund for all payments made to XXXX XXXX XXXXXXXX per the terms of sweet vs cardona. The dept of Education has yet to process my refund through Navient, the service provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which c
an result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Macys on XX/XX/2021 to let them know I would be making an online payment and requesting that the late fee be waived. My payment was due XX/XX/2021 and I was horrified when I received the XXXX statement in the mail that morning and discovered the prior months statement got set under some paperwork and the payment was not made by the due date. The phone representative was able to waive the late fee. He insisted however that he could take the payment over the phone rather than me making it online. I gave him my bank routing information. I told him XXXX XXXX XXXX  XXXX. I am not sure if he heard this as XXXX, as he said could not find the bank. I again said I would pay online and he said no he would just look it up by the banks name ( XXXX XXXX ). He found the bank and I gave him me account number. I thought the matter was handled. On XX/XX/2021 I received an email from Macys Cardmember Services that said my Macys account was past due. I immediately logged on to my Macys account and saw that the phone payment had been reversed, and I was also charged another late fee and finance charges. I called Macys credit department from work right away and talked to them and explained what had happened. The phone representative apologized profusely and removed the late fees and finance charges because it clearly was not my fault. I then went online ( she offered to accept a phone payment but I would not do that again since that is what caused this problem and has now drastically impacted my credit score ) and made the full payment. A few days later I got an email from my credit union that there was a change to my credit rating. I logged on to discover that Macys was reporting my account 30 days delinquent to the credit bureaus. This problem was created by their telephone representative, not me. I will NEVER again make a telephone payment, and I will NEVER again use Macys credit card. My credit rating has gone from Exceptional to Very Good ( XXXX to XXXX as this is the only derogatory rating I have received in almost 40 years ). I contacted Macys to correct this issue and they sent me a letter that said their reporting was correct. I adamantly disagree with their assessment. I would request the CFPBs assistance to get this removed from my credit rating. I have also filed disputes with all three credit reporting agencies. What Macys did is not right and I have now expended a tremendous amount of time trying to fix this. It is disheartening that Macys can wreak this much havoc and seemingly have no consequences for them and drastic consequences for me.
Product: Student loan

Hello, I have recently graduated earning my XXXX XXXX XXXX this XXXX and I am in the process of applying and searching for employment. I have outstanding student loan debt for which I've qualified for Income Deferred Repayment for 12 months through my Federal loans. I am also attempting to reduce my payments through my private loans but my experience through the Navient Private loan sector and collections department has been overwhelmingly rude and intolerant to my present hardships. It appears that they want me to show a default on loans or payments before any true consideration can be met with a compliance to reduce payments to a comfortable amount or an inability to make certain monthly loan payment amounts ( amounts to which, I, apparently can have no say in ). 

I have spoken with several managers, one of whom 's name is XXXX or XXXX, mentioned he sees no hardship and that our credit scores are good and no late payments have been made. 

Please note : I have future plans which require I keep my payments and amounts current but it appears you need me to miss several payments on my loans in order to qualify for your hardship consideration. I know what I can afford and I feel I am not receiving any assistance nor understanding from any member in this department. As we know, so often these factors of good standing are often taken into consideration when seeking new employment and thus your infringements further complicate any attempt to move forward. 

Thus I will continue to complain and seek every avenue to dispute your response in handling the hardship and circumstances of my situation and levels of distress regarding these loans. 

A fair resolution would be a logical one, allowing the student or borrower a say in determining an affordable loan repayment, particularly when the student / borrower is actively seeking to repay the loan but has not been employed and is using funds specifically allocated towards private loans. This is a responsible student that knows her budget and should have a say in what she can presently afford, according to her present condition and circumstances. 

XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 
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  has violated my RIGHTS! 

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 an account without my written instructions The List of accounts below has violated my federally protected consumer rights XXXX # XXXX and reported a billing error 15 USC 1666 ( b ) ( 2 ) States has no clarification including documentary evidence
Product: Mortgage

XXXX XX/XX/2024 a payment was sent to VyStar via US Mail as they have yet to correct my access to their website. XXXX XX/XX/2024 the payment had not been received/cleared our checking account. When I called to inquire I was told " we don't control the US Mail '', " how do I know you are telling the truth? '' and " I can not waive your late fee as VyStar does not control the US Mail ''.

I requested a Supervisor call me and NEVER heard from one. This payment and my XXXX payment cleared in XXXX, but I am somehow being charged a late fee and having my credit negatively impacted due to VyStar 's inadequate ability to process payments they receive via US Mail. 
This is an ongoing issue.
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report from the XXXXXXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXXXXXX ) are completely unacceptable and need to be addressed immediately. These accounts are falsely reported with late payments, even though I have always paid on time. Under 15 U.S.C. 1666b ( a ), creditors can not legally report on-time payments as late, and this false reporting violates the law. Furthermore, their failure to ensure MAXIMUM POSSIBLE ACCURACY as required by 15 U.S.C. 1681e ( b ) under the FCRA is unacceptable. Failure to address this issue violates FCRA 611 ( a ), which requires a proper investigation of disputes, considered violating the law of willful non-compliance under FCRA 616 and 617, making them liable for damages of up to {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY INFORMATION TO YOUR SYSTEM AND IT'S NOT SHOWING ACCURATE INFORMATION ON MY CREDIT REPORT. PLEASE I'M BEGGING YOU TO UPDATE IT ASAP.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Mortgage

They return my payments and want me to pay five months certified now with additional fees.I was two months behind and mailed them XXXX payments and now they want XXXX certified with a bunch of fees why.Why do I have to make my payments certified at an additional cost.I previous made a 9 moth payment and they said they would not accept it I wireed the money XXXX and they said they would return the check but they waited a week and deposited I called they stiff have not payed ny check return fee or have send it back or a letter that they would not redeposited which they saifd they where sending, they lare liars repeatedly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Debt collection

I placed an order and signed up with Affirm to make XXXX equal payments. As soon as I received my order, I realized it was wrong and returned it. I received confirmation of receipt of returned item and was told refund made and I did not owe any payments. I get daily email messages stating I am past due on my payment. Unable to call these people. I have responded to their email letting them know I dont owe this. They asked me to send copy of the email I received stating item returned and refund issued to Affirm. They still send me past due messages. Today I received notice they have reported to the credit bureaus. I want that immediately and permanently removed from all credit reports and for the to cease and desist the collection emails
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I attempted to withdraw from my Laurel Road bank account- to which I have both a checking and savings account with. They locked my account from online access without notifying me. The phone number their system requested I call was not manned and went to voice mail. On Monday, they called me and requested I send documents to them - my ID, proof of direct deposit, and bank account statement from the bank I sent funds to. I provided these documents and called them, but they did not unlock my account, and told me it could take a week or more for the " relevant team '' to unlock my account. In this time, fund transfer requests from existing accounts that I had previously used with Laurel Road were rejected. I rely on the funds I have in Laurel Road to pay bills, and this lock time on my account with potentially over a week of waiting time is completely unacceptable and unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 7 hard inquires that aren't mine. It is done through fraud. 

Transunion has 18 hard inquires that are complete fraud. 

XXXX has 2 hard inquires that are complete fraud. 

They let companies use inquires to make money. I have not applied for any new credit in 4 years. So these all have fraud issues and take customer service overseas and destroy are laws.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information.

Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.
Product: Credit reporting or other personal consumer reports

I do not have a contract with this company, nor did I give permission to any company I had a contract with to give my personal information. This company does not and did not have permission to access my personal information or disclose it on my consumer report.
Product: Credit card or prepaid card

I am a consumer and natural person. Navy Federal credit Union is in violation of the following Federal laws : Fact, affiant is aware and has proof pursuant to 15 USC 1611 that Navy Federal Credit Union is criminally liable for violations of 15 USC 1605 and 1666d as it led me to believe that I am responsible for paying cash for the balance on the XXXX XXXX account. Navy FederaXXXX has accepted cash payments from me. 

Fact, affiant is aware and has proof pursuant to 15 USC 1605 that a finance charge is the sum of all charges. A finance charge was involved in the consumer credit transaction I initiated when opening the XXXX XXXX account. 

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not responsible for any financial obligations to Navy Federal Credit Union.

Fact, affiant is aware and has proof pursuant to 15 USC 1666d, that Navy Federal has failed to credit my XXXX XXXX account with the finance charge involved in the consumer credit transaction I initiated upon opening this credit account on XX/XX/2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 6802 that I have the right to opt out of the sharing of my nonpublic personal information with third parties.

Fact, affiant is aware and has proof pursuant to 15 USC 1602, my XXXX XXXX account is an open-end credit plan.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and 1343 that Navy Federal has devised a scheme to obtain money by means of fraudulent pretenses.
Product: Checking or savings account

Capital one has not posted my paycheck deposit. It should have been in my account on wednesday XXXX XXXX XXXX  and it is not as of XXXX XXXX XXXX My company has already sent it, capital one has my money and I do not. Capital one is only saying they are having technical issues nothing else.
Product: Credit reporting or other personal consumer reports

I disputed items on my credit report that Transunion is reporting that are in error and thy did not remove. This is affecting me from being able to purchase a home for my family.
Product: Credit card or prepaid card

This bank Commerce Bank. Card has not credited my acct of {$380.00} sent to them on XXXX XXXX XXXX fromXXXX XXXX. This was sent as a credit. To my creditcard. I asked XXXX to send s check to home address bit they failed to comply. Aftrr numerous calls to customer service. And spending hours on phone this has not been taken care of. Sent letter to both parties XX/XX/XXXX? I have been a customer with bank since XXXX but. Certainly have not had any respect. XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX cell XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my lawyer ran a prebankruptcy credit report, at that time there were no past due accounts. My XXXX  XXXX bankruptcy was file XXXX. I made every payment for 5 years on time. In XXXX i noticed that my credit report showed 8 accounts as ever late. I wrote a letter to Experian XXXX disputing these late payments and while they corrected the individual accounts it still showed in ever late. I assumed this would be corrected when the bankruptcy closed. In XXXX of XXXX I ran my report and disputed this again. They removed 2 accounts. As of today there are 4 accounts showing potentially negative on my report. The only account that was not paid in full was a credit card who did not file a claim with the bankruptcy trustee. Every other account I had was paid 100 % in full in bankruptcy. The car loan account from XXXX shows potentially negative, even though per the bankruptcy trustee was secured/omitted and paid outside of the bankruptcy and I can prove I made every payment on time, and paid in full in XXXX of XXXX. XXXX XXXX XXXX was paid in full per the bankruptcy, but when I contacted them was told they had to show it potentially negative because they charged the account off. I was not aware that is is legal to charge off an account that has already been included in a bankruptcy. I have supplied Experian with the closing report from the bankruptcy trustee and the paid account information as well as the original bankruptcy credit report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 1

5 US Code 1681e ( b ). I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.