23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for XXXX  Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information. 
Willful Noncompliance Under 15 USC 1681n, the XXXX XXXX XXXX XXXX has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$14000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card XXXX and proof of address to validate my claims. 
Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Because Im experiencing hardship with my family due to increasing dependent expenses and medical expenses, I requested a hardship payment plan. Upstart continues to give me higher monthly payments with the same loan term rather than adjusting the loan term and offering lower payments. 

Upstart also refused to work with a debt counseling/consolidation agency to reduce monthly interest and payments. 

Upstart refused to negotiate a debt settlement and stated that I have to be at least 60 days delinquent to negotiate a settlement. I explained that my objective is to protect my credit not to ruin it. 

Upstart response to my hardship requests had always been you could just stop paying and yet account will be charged off. I repeated to them that O need to protect my credit. 

Im trying to pay my loan in good faith, but Upstart is not giving my a fair solution or an affordable alternative so just they can collect as much interest and late fees as possible, regardless of the borrowers hardship status or family needs. 

There also exists a discrimination and racism attitude with Upstarts customer service as well as their management team as they reguse to contact me to discuss fair options.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX  XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX  XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX XXXXXXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX CA XXXX I only work for XXXX.
Product: Vehicle loan or lease

I am trying to make my payment in order to set up a payment plan, per the rep on XXXX  XX/XX/year> told me. I was able to get the full amount last night but capital one was closed and I still am not able to make a payment online. 

I just received another text message and email from capital one about needing to make the payment and my vehicle has been assigned for repossession. I am able to make the payment to set up the plan to avoid but again they are not open today. 

Why would they send me a text and an email if I cant even get in contact with them? I am hoping I can get till XXXX  to call in right at XXXX and make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Product: Mortgage

I have requested payment confirmation from Mr. Cooper for property taxes owed to the XXXXXXXX XXXX XXXX. My initial request was on XX/XX/XXXX for a payment that Mr. Cooper showed as being made on XX/XX/XXXX. As of XX/XX/XXXX, the XXXX of XXXX has not shown that they have received this payment. Mr. Cooper has refused to provide proof of payment in the form of a payment confirmation, check number, or any other information that could be of use with the XXXXXXXX XXXX XXXXXXXX to track the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

On my credit bureau report it shows that the debt for {$11000.00} from NATIONAL CREDIT SYSTEM was reported XX/XX/2019 however I was not notified in writing nor electronically prior to this being sent to this Collection Agency, National Credit System or reporting in on my credit file as a collection account. I was unfairly prevented from denying or acknowledging said debt. This has been a negative reflection on me as I am seeking to purchase a home.. Where is the debt validation letter? I had the write to receive prior to it being reported as a delinquency/collection account? However I am disputing the validity of this debt due to the fact that the Collection Agency is representing XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I have lived at my current residence for over 10 years and have the documentation to prove it my landlord will be able to confirm as well. My State Driver 's License, W2, Employment, and bank account all confirming my verifiable information. I have no documentation to submit inference to this debt except from what I show appearing on my credit files. However this invalid debt is preventing me from moving forward with purchasing a home.
Product: Vehicle loan or lease

I got a vehicle lease at Kia Motors about a year ago. Payments are constantly a hassle. The finance department failed to record and/or acknowledge payments at least three times within about a year and it was always up to us to provide records or copies of cancelled checks ; the finance department appears messy and disorganized. 
Calling their customer service is unpleasant and lengthy, their so called customer service acts as an aggressive collector more than a customer service department. On or about XX/XX/2022, I mailed a check to the same billing address we always have, the check was cashed on XX/XX/2022 but the company claims it never received it. 

A document mailed through the USPS to the correct address is presumed received by law so the moment I mailed it to the correct address my obligation has been fulfilled and it ceased to be my problem whatever happened after it was received, but as usual this company 's disorganization was made my problem not theirs and the account was reported to the credit bureaus in collections and my credit score went down almost XXXX points. 
I contacted Kia as well as their Legal department to no avail. I decided to pay again just to fix my credit score but this should not stay this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX. I have attempted to correct this to no avail. I have XXXX accounts with XXXX XXXX and have not applied for additional accounts.
Product: Debt collection

I have still yet to see Foursight Capital fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agency regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion & was informed that they were deleting the fraudulent inquiries within 24 hours however they are still on my credit report.
Product: Student loan

I receive upwards of 20 phone calls per day from American Education Services if my monthly payment goes even 1 day past the due date. I am not late on my payment, but they call repeatedly to ensure payment. It is harassment.
Product: Bank account or service

I opened a Citi bank checking account in XX/XX/XXXX during a {$400.00} promotion offer. 
The terms for the offer were " Get a {$400.00} bonus when you open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I have made the deposit and met all the terms. On XX/XX/XXXX after inquiring with Citi, I received a letter that the bonus will be processed and credited. However, to date I have not received any bonus on my account.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with XXXX  XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Product: Credit reporting or other personal consumer reports

The detrimental impact of the derogatory rating on my credit report has created a cascade of financial hardships that continue to worsen with each passing day. Most notably, my recent loan application was denied, and my existing credit accounts have been hit with increased interest rates, creating additional financial strain during an already challenging time. This situation has not only affected my immediate financial stability but has also generated significant XXXX XXXX as I watch my carefully built credit standing deteriorate.
Product: Checking or savings account

On XX/XX/XXXX, I sold my car to XXXX XXXX in XXXX XXXX, Iowa. They cut me a check for {$25000.00}. That night I tried depositing it into my Bank of America savings account using mobile check deposit. I woke up on XX/XX/XXXX to find both my checking and savings accounts closed. No email or text. The check was 100 % legitimate. After calling them 4 times, and stopping in to the local branch they said there is nothing they can do.
Product: Mortgage

I am trying to buy a property to live in. I have contacted US Bank Many times with information on pay off date from a foreclosure I had in XX/XX/XXXX. A date is on the County Trustee Deed on public record in XXXX XXXX, Utah. but ... still they will NOT supply me with any date. As a result I can NOT get my loan and I am losing the said property. Now, they are reporting it on my credit report as XX/XX/XXXX. This is completely wrong and needs to come off my credit report immediately. Also ... US Bank faxed a letter to my lender stating that the account is paid in full but ... will NOT provide a date.
Product: Credit card or prepaid card

Have contacted XXXX in regards to false charges through XXXX XXXX XXXX admitted to false charges until dollar figure was noted. Once that was pointed out XXXX said this is fraud but we can not help you you will need to reach out to credit card company. 
I have then called credit card company have been transferred and called to many times to count. Fraud keeps saying they are not receiving my documents or they do not except certain things. At one point fraud has transferred me to disputes explained situation to dispute then they transferred me back to fraud. This has gone for 2 months now. Went to a local branch for help they then called customer service in front of me and resyarted the whole precess.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this personal statement on my behalf. I've recently uncovered fraudulent information on my credit reports. My personal information was used to open accounts and gain financial goods and services without my consent. I request that the information in this report and attached to my statement be removed immediately. The accounts are listed as follows : Accounts requesting to be removed ASAP : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I used Xoom, a XXXX service to send money to a friend in XXXX XXXX, XXXX on XXXX XX/XX/2022I received an email that they have verified my funds were available and the money transfer would be rush delivery at no extra charge. Then amount was for {$300.00} plus {$5.00} transaction fee. The exchange rate was XXXX XXXX PHP. Recipient receives XXXX PHP. I started tracking the account the following date XX/XX/XXXX and the transaction status showed on tract. Transfer in progress. Today is XXXXXX/XX/2022and the money has not been delivered. I have sent Xoom several emails following up to see why the money never got to my friend and but their website was still showing transfer in Progress. The reply to the emails I have been getting back are all the same generic responses. In XX/XX/XXXX, I sent them another email demanding to cancel my transaction and credit back my credit card since the transfer never happened. I got a response saying before they can do it they will need confirmation from their payment partner. Its apparent that their payment partner has ghosted them. I had no hand in Xoom 's choice of payment partner so I should not bear the consequence if they defaulted. As of today the transaction status on my account still shows on tract. Still no money transferred and no credit to my account. I just want my money credited back to credit card since it is accruing interest. Please help me resolve this issue. Thanks
Product: Credit card

I have several Capital One credit cards and have had them for years. When i accumulate enough miles I convert them to awards with their airline award partners. I have converted rewards a number of times in the last few years, most recently in XXXX of 2024. Today I tried to convert miles again and when the website texts me a code to verify my identity, it says it cant be verified. I have had the same number for 30 years and they have sent me codes many times. I have tried for hours today without it working. I have been on customer service calls for hours with no help at all. So I need this fixed quickly in order to take advantage of a fare sale going on now. I am unable to use the miles in my account at all and no one at Capital One can or will help. I am so frustrated!
Product: Checking or savings account

I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.
Product: Consumer Loan

I had a vehicle repossessed, but the repossession letter went to an address I never associated with, thus I never had knowledge that the original signer on the loan had become delinquent. I was the co-signed. I submitted a rebuttal letter to the repossession and notified the creditor that if I had been properly notified I could have rectified the situation. Since the vehicle was already sold, and I was not made aware prior to the sale, the creditor responded in a court document that I would not be held liable for the debt. This decision was granted six years ago. I was made aware two ( 2 ) weeks ago that the creditor is now negatively hitting my credit rating for the debt.
Product: Payday loan, title loan, or personal loan

So Im filing a chapter XXXX bankruptcy and getting this loan depot calling me over the last few days and requested them not to call and remove me from there list and Im on the do not call list. They continue to call and laughed and told me complain.
Product: Mortgage

On XX/XX/XXXX, I was notified that my mortgage was sold to Community Loan Servicing. The payment that was to be posted ( and was cashed on XX/XX/XXXX ) was transferred to the new company and not posted by my original mortgage company. To date, the new company has proof that they received the payment ( on XX/XX/XXXX ), but refuse to post it to my account or give me credit on interest from XX/XX/XXXX when it was cashed. They refuse to provide an updated payment statement, amortization schedule ( showing the extra payment ) or a XXXX interest paid statement for the IRS. I have emailed and asked, repeatedly for them to find the payment but they refuse to start a search for it. I have an email from the old mortgage company to confirm that they have the money and that it should have been credited. The check was an auto-pay from my bank, cashed on XX/XX/XXXX in the amount of {$5600.00}. I have spoken with XXXX XXXX and XXXX XXXX and neither will pursue the payment. 

As of XX/XX/XXXX, I was one month ahead of schedule in payments. Community Loan Servicing debited my account on XX/XX/XXXX for an additional XXXX, XXXX payment. They tell me I am due to make another payment on XX/XX/XXXX but they have not posted the XX/XX/XXXX payment,. 

This company has had 440 complaints against them in your records and so I believe they use this stonewalling to make money on their daily investments. I would like to receive the credit of the entire amount against principal since they are still debiting payments on schedule.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are marked as inaccurate and have been disputed several times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX