23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : U S DEPT OF EDXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX , Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # US DE-, Account Name : XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : US DOE/XXXX  Account # XXXX, 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.

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

my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you
Product: Debt collection

I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.
Product: Credit reporting or other personal consumer reports

New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, reachable at XXXX or XXXX. On this date, XX/XX/XXXX, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ). 

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft.

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged. 

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID. 

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - **XXXX XXXX- XXXX XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX- XXXX  XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account for XXXX XXXX XXXX twice with Equifax and both times they have stated the account to be verified. As I mentioned in both my disputes that the account is fraudulent in nature which was never opened with my permission or knowledge. XXXX  and XXXX both deleted this account almost immediately. As of XX/XX/18 I filed an Identity Theft Report with the FTC. Equifax does not reply to mailed in disputes with proof so I am disputing this account by a means of the CFPB. I have included my Identity Theft Report, Letter to Equifax, copy of the FCRA 605b, copy of my Drivers License, copy of my Social Security Card, Proof of Residency and copy of recent Equifax Credit Report with the Fraudulent Account highlighted.
Product: Debt collection

I am writing to formally dispute late payments on my credit report regarding my XXXX XXXX XXXX credit card account. I made a purchase towards the end of XX/XX/year> and subsequently paid the full balance of {$85.00} on XX/XX/year> according to the account balance. I highlighted the account balance in the attachment " Dispute Report '' and have also attached my bank statement " XXXX XXXX '' showing payment was made. However, in XX/XX/year>, I received an email claiming I still owed a balance, specifically for the months of XXXX, XXXX, and XXXX. 

Upon contacting the customer service number provided ( XXXX ), I was informed by a representative that despite my payment being acknowledged, I allegedly owed an additional {$120.00} due to accrued interest and late fees. This was the first notification I received regarding any outstanding balance, which I find concerning given the delayed communication until XX/XX/year>. 

After a prolonged discussion, the representative agreed that I only needed to pay {$10.00} to settle the supposed balance, and assured me that the delinquency would be removed from my credit report. I promptly paid this amount on XX/XX/year> ( XXXX Statement 2 showing 2nd payment ). Unfortunately, a week later, I received another email stating a new balance on the account. 

Upon contacting customer service again, I reiterated the previous agreement and was told to pay an additional {$1.00} to supposedly close the account and remove the delinquency from my credit report on XX/XX/year> ( XXXX Statement 2 showing 3rd payment ). Despite adhering to these terms and closing the account, the late payments remain on my credit report, adversely affecting my credit score. 

I have diligently attempted to dispute this issue through official channels and have gotten absolutely nowhere. 

I kindly request your assistance in resolving this matter. Please find attached relevant documentation supporting my claims.
Product: Credit card or prepaid card

On  X/XX/2017    I made a complaint to my credit card company and they said to stop this card and they would issue new  one,   and look into the charges. I did this and nothing has ever been sent or any more communications have been sent concerning my unauthorized charges on my card for the following : ( Memo : Debit : Signature purchase from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  # CA  XXXX   XXXX  Card ending in  XXXX  {$24.00} {$390.00} and I was under the impression they were fixing this problem but it is not.   {$1500.00}  XX/XX/17    na.wargaming.net  XXXX   XXXX   XXXX    XXXX    {$1.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX   XXXX  {$0.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX    XXXX   {$1.00} {$1600.00}   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  {$9.00} {$1600.00}  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  {$29.00} {$1600.00}  XX/XX/17      XXXX    XXXX   XXXX   XXXX    XXXX   {$34.00} {$1600.00} ) I expected more from my card as I have been a customer for some time now. This is frustrating me as i just my money back plus on   XXXX   another purchase was unauthorized for the following (   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  # CA Posted on   XXXX   XXXX   XXXX     at   XXXX  PM Card ending  XXXX  )
Product: Student loan

On XX/XX/23 I noticed my account was in forbearance. I am part of a borrower defense but had elected not to go into forbearance because I am on track for PSLF. I emailed inquiring about why I was in forbearance. After no response and unable to get through a representative without waiting for 2 hours on wait, I emailed a second time on XX/XX/23. I stated I have not received a response from my 1st email and stated I do not want to be on any forbearance and should be on an IBR plan. I asked to have this corrected. On XX/XX/23 I still had no response. I sent a 3rd email stating I had not received any response and once again I did not approve to be on any type of forbearance and want any negative effects that will hinder my progress with PSLF to be rectified. On XX/XX/, I called and spoke with a representative on their PSLF line. She didn't know why I was on the BD forbearance and she put in to have it taken off. Also set me up to be on the SAVE program and my first payment was to be on XX/XX/XXXX. Finally, I get an email on XX/XX/23 saying thank you for contacting Mohela, Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/23. We will assume the inquiry has been handled. Then go on to state if not to CALL them! Its at least an 88 minute wait to try to get through to them. 
First they state someone will respond within 3 days of the email. That did not happen. The issue has still not be resolved and continues to affect my PSLF accumulation. You can't get an appropriate response via email and it's ridiculous to get through on the phone. All I want is to actually be able to pay my student loans to get my PSLF credit but I have been put in an unauthorized forbearance without any way of getting it off. This is beyond infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has said that they have informed all credit report agencies to delete account and negative remarks, this account is still showing as open.
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. 


I told Experian, XXXX, and XXXX to reinvestigate this account ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 



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 XXXX XXXX  Acct # 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 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: Bank account or service

I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and XXXX never updated that my auto loan was paid off and I had to dispute it and XXXX took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but XXXX still showed the false reported amount from XXXX XXXX XXXX and XXXX had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that credit acceptance is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right
Product: Mortgage

Sprout Mortgage delayed our Clear to Close ( 3 ) times. They took us through a rigorous unfair process, where we had to provide over 100 conditions to satisfy their requirements. All 100 conditions were met, and on the final day of the third extension, we received our Clear to Close only to find out the contract between the Buyer and Seller had expired one hour early voiding the contract. All Earnest Money and Due Diligence were lost totalling {$18000.00}. I felt we were definitely discriminated against in acquiring this loan prior to the 3rd contract extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, Experian XXXX XXXX keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation
Product: Student loan

I am writing to file a formal complaint against Missouri Higher Education Loan Authority ( MOHELA ) regarding their failure to update my student loan account status as " paid in full '' despite the full repayment of the loan. My loan account reference number is XXXX, and I am deeply concerned about the inaccurate reporting of my account status. 

I successfully completed the repayment of my student loan with Mohela on XX/XX/. I have attached a copy of the paid-in-full confirmation ( the 1099-C Copy B ) that I received from the IRS/Mohela, which clearly indicates the cancellation of the debt. Despite this, my account on their platform still reflects an outstanding balance and does not reflect the accurate " paid in full '' status. 

This discrepancy has serious consequences for me, as it affects my credit report and financial standing. I have diligently fulfilled my obligation to repay the loan, and I expect accurate and timely reporting from Mohela to the credit bureaus. The failure to update my account status has the potential to harm my credit score and financial reputation. 

I have attempted to resolve this matter with Mohela directly by contacting their customer service at XXXX but they act like they didn't know what I was talking about. However, my efforts have been unsuccessful, and the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Mohela updates my account status to accurately reflect the paid-in-full status of my student loan. Additionally, I request that Mohela be held accountable for any potential harm caused to my credit score and financial standing due to their failure to report the accurate information. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely XXXX, EXPERIAN AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind XXXX, EXPERIAN AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. XXXX XXXX XXXX  XXXX XXXX Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per XXXX privacy policy, I was not given full disclosure of my rights to opt out.
Product: Credit card

I was a little late paying my Lowes Credit Card supplied thru Synchrony Bank. My minimum payment was {$30.00} due on XX/XX/year>. I paid it today in the amount of {$34.00}. However, I noticed I was charged a late fee of {$30.00} on the same day the minimum payment was due. I tried to contact them thru their auto chat to resolve the issue, but had no success. A {$30.00} late fee for a {$30.00} minimum payment seems excessive. If they are doing this to me for being 3 days late, I can only imagine how many consumers they are collecting these type of excessive fees from. I would like this company to waive the late fee, since this is the first time I have ever been late on this account and was late by 3 days. I also want the Federal Trade Commission to be aware of these types of excessive fees that synchrony bank is charging their consumers.