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

I contacted experian and other 2 major credit reporting agencies and told them my defaulted student loan could not be used negatively against me for 2 reasons, # 1, my repayment loan page says 0 dollars is owed every month, # 2, All student aid repayment has been suspended for a couple years and nothing is owed currently, the irs in person and on phone agreed they shouldn't be allowed to.

After disputing with them they refused to correct this issue, which is still negatively affecting my credit.
Product: Debt collection

XX/XX/2022 I said agent to XXXX XXXX, filed a complaint for the reason being that a cease and desist was sent on 3 different occasions, and WELLS FARGO AUTO disregarded the notice. They threathened me verbally, and in written communication form title 15 usc 1692 c ( c ). The letter stated they would try to reposses if they didnt receive a payment. They have indeed received a 1099A, 1099OID, 1096, 1040, 1040V and a money order with the outstanding principals balance. As they were the borrower and i was the lender who opened up the account with my cestu que trust by my private account number. Banks cant give credit nor any loans according to title 12 Us 1431. If they dont respond to the payment, nor did they send the payment back if they dishonored the 1099A and money order, UCC 3- 603. The payment has been tendered without recourse. A 1099 C cancelation of debt has been to the CEO of wells fargo also along with form 56. They received the forms on XX/XX/2022. Within 10 days they have to respond with a confirmation they recieved full principals balance, as i gave authorization to send written notice ONLY FOR THE PURPOSE OF SAID DOCUMENTS received.
Product: Credit card or prepaid card

Hello I am located in XXXX XXXX NV and I have been dealing with a closed account since XX/XX/2020 due to a fraud incident and calling to report it. Now I am being punished for someone taking money from me and Bank of America will not open my account back. I have done everything from calling everyday and even proving my identity to unemployment to only be told by Bank of America that their hands are tied or getting hung up on. This is my only income at the moment and myself and my children are suffering from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXX  because they inaccurately reported a balances on 2 of my XXXX XXXX accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and Experian reported the balance of {$590.00} with a {$800.00} credit limit. On the second account XXXX  reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint.

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX  XXXX. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX 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 a account without my written instructions
Product: Debt collection

This Debt is not mine and has been reported on my credit report by this unknown company as CMRE in the amount of {$430.00} with an account number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Mortgage

In XXXX, XXXX, we were struggling to pay our mortgage and requested help from U.S. Bank. On the Mortgage Assistance section of the website, I asked for help in pausing our mortgage payment. It said something about pausing my mortgage payment for a few months. 

At the beginning of XXXX, I lost my job. I had intended on catching up on the mortgage over the summer ( due to my husbands soccer camps which bring in extra money ), but the loss of my income changed that. See enclosed Unemployment Application. 

On XX/XX/XXXX, I submitted the Mortgage Assistance Application via email. 

On XXXX, I started a new job. But wouldnt get a first paycheck until the end of XXXX. 

On XX/XX/XXXX I submitted the Loss Mitigation Correspondence XXXX XX/XX/XXXX I made a payment towards the mortgage. 

On XX/XX/XXXX, we signed the paperwork to finish the partial claim. 

We feel like we have done everything correct in reaching out, explaining our problem, and trying to make it right. I have reached out multiple times to get them to remove the negative from our credit report. 

We are just asking you to remove the late payments to our credit for XXXX, XXXX, XXXX and XXXX. We honestly dont know what else we could have done differently to communicate with you. That ding on our credit will hurt us even more.
Product: Mortgage

Lender ask for XXXX several times when submitted information to lender continue to say didn't receive documents.Would not except business income even though taxes were paid on income.Treated like a 3rd world citizen and ignored.Trying to keep appraisal funds.
Product: Student loan

Request that my loan servicing company corrects the number of Qualifying Payments for Public Service Loan Forgiveness.

I am writing to you for help with a discrepancy in documentation I see regarding the number of qualifying payments for Public Service Loan Forgiveness I made on my student loans. My loan servicing company is Fed Loan Servicing.

The problem : My number of qualifying payments for PSLF should be 78 on each of my six loans. I consolidated these loans.

I submitted PSLF employment certification forms documenting qualifying employment with multiple employers. I made regular student loan payments.

Fed Loan Servicing records are incomplete, missing several qualifying payments on five of my six loans. Attached are documents showing the following errors : Loan sequence 1 shows 75 qualifying payments.

Loan sequence 2 shows 75 qualifying payments.

Loan sequence 3 shows 75 qualifying payments.

Loan sequence 4 shows 77 qualifying payments.

Loan sequence 5 is correct ( 78 qualifying payments ).

Loan sequence 6 shows 72 qualifying payments. 

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

on my credit file with transunion they have wrong personal information the social security number does not belong to me as well as several accounts that dose not belong to me Im asking that you all look into this matter ..my information was always involved in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as Transunion , LLC, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Mortgage

I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
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Delinquent Taxes for Account [ Incident :  XXXX  ]
Product: Credit reporting or other personal consumer reports

Equifax is continuously reporting a inaccurate bankruptcy/accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Ive come across a bankruptcy listing on my credit report that isnt mine. This could be due to identity theft or fraud, and Im concerned about the potential damage to my credit.
Product: Credit reporting or other personal consumer reports

My credit report is showing incorrect information that is causing me a lot of stress. The inaccuracies with my name, number, address, and employer are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Product: Credit card or prepaid card

In the past two weeks I received two prepaid debit cards for unemployment benefits, and I never applied for either. One is from KeyBank for Illinois ( received XX/XX/XXXX ), the other is from XXXX  for Colorado ( received XX/XX/XXXX ). I never activated either card. I contacted KeyBank immediately ; was not able to get through on phone ; did online Chat, they told me KeyBank is a third-party provider who can not do anything related to the card and I must contact Illinois Dept of Employment Security ( IDES ) ; IDES doesn't answer the phone and all their offices are closed. So I gave up on that one. The second card from XXXX arrived yesterday, I went to their website where they had a form to notify the bank if I'd received a card for which I never applied ( so apparently this is happening to a lot of people ). I completed and sent in the form. I am deeply concerned that someone is using my name, address, phone to apply for benefits, and the banks don't even have a procedure for me to cancel these cards.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnet 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit reports on XXXX XXXX, 2017,  which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at Equifax, one of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately 147 million individuals, making it one of the largest data breaches in history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I submitted a written 609 complaint to Experian regarding 2 collection accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AFTER I had been disputing with EXPERIAN regarding the same collections, which had been removed from my account ... .now under the new names listed above. 

XX/XX/2020 I received an email from Experian regarding their investigation which ( Experian stated ) came back verified as my account XX/XX/2020 I sent a 623 letter to XXXX XXXX regarding the alleged debt XX/XX/2020 I sent a " second '' request to Experian in a 611 letter with no reply XX/XX/2020 I receive a letter from XXXX XXXX stating that there is NO ACCOUNT BELONGING to me and per XXXX XXXX " A REQUEST HAS BEEN MADE TO REMOVE THE INFORMATION FROM MY REPORT '' On XX/XX/XXXX I receive the most ridiculous reply from Experian and I quote : It didn't " appear '' that I was the one disputing '' so they ( Experian ) decided to do nothing, meanwhile my credit is taking a nose dive due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I reviewed my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts remained. Because of this, I request that the documents Ive provided be carefully reviewed so I wont have to worry about this issue again.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX - XXXX  XXXX XXXX Balance : {$2900.00} Date Opened : - XX/XX/XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than XXXX days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional XXXX. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Checking or savings account

My account with CHASE BANK experienced fraudulent transactions totaling {$2100.00}. These withdrawals occurred for very small amounts at first then after 60 days very large amounts were taken. The transactions were through two XXXX accounts. I called both CHASE and XXXX and both organizations could not help me directly but I was told that the bank should open a dispute to work together with XXXX to retrieve my money. Since early XXXX I have been working diligently with both CHASE and XXXX on this, contacting both companies several times, with no results. The fraud on my account is a well known scam that should have been caught by my bank 's Fraud Department. 
A file is being attached to notate the charges in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on Equifax from the following companies : XXXX XXXX On XX/XX/XXXX XXXX  plus on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I've spoken to the companies and to the credit bureau multiple times to no avail. Please the inquiries are unauthorized and do NOT belong and should be deleted immediately. They have repeatedly violated my rights.
Product: Credit reporting or other personal consumer reports

I am submitting supporting documentation to have three fraudulent accounts removed from my Equifax Credit Report, which Equifax is clearly in violation of the U.S. Constitution and HJR 1902. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. Equifax, Ignorance of the law is no excuse. I have shown you and you have been put on notice that you are reporting inaccurate and fraudulent information. The continued reporting of this inaccurate and fraudulent information is a clear violation of the Law 15 USC 1681 s-2 and HJR 192 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate and fraudulent reporting. This is my 3rd time and final attempt to correct this matter before I take this to court a file a lawsuit to seek damages for not comply with the FCRA and HJR of 192.
Product: Debt collection

BRIGIT / XXXX XXXX XXXX Note Loan is stating that they gave me a loan that I didn't payback or paid back late. BRIGHT/ XXXX XXXX is a credit builder account they don't not offer traditional loans instead the money that you put into account is held for you for a certain time period and reported as paid on time and could be canceled at any time. 
I never received money/ funds from BRIGIT/ XXXX XXXX i never got a loan from Brigit in any way and they are reporting negative late payments on my credit report which is un true misleading and harmful to me obtaining credit
Product: Checking or savings account

Our bank account has been hacked and we need help. 
We received a call from someone claiming to be Amazon Representative on approximately one oclock On XX/XX/XXXX. 

The caller spoke with my husband ( XXXX XXXX ) in length. The caller said they have made a mistake on our Amazon and accidently deposited to our checking account {$15000.00} in Chase Bank. 

While XXXX XXXX is online the caller convinced him to send the wife to the bank to verify the mistake and send the money to a given account number in XXXX XXXX XXXX. 

This is the information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX He said if we do not do this at once he would lose his job, he would be fired if his boss finds the mistake. 
We went to our Chase bank in XXXX XXXX, CA and checked with teller and asked her to send the money to him. At that point I asked the banker, could this stranger access our other accounts in case he is a dishonest person? I was told NO, the only way he could access our account would be with court order. 
On XX/XX/XXXX, received my bank statement ( the second account ), realized that {$15000.00} was transferred from my saving to checking and this was done by the fraudster. It was our money not his mistake. The next day we went to our Chase bank. Explained the hacking. Bank reported this to their FRAUD department. 
On XX/XX/XXXX we filed a Police Report with XXXX County Sherriff Department. 
Case # XXXX XXXX XXXX. 
We have not heard back. We are requesting that Chase bank take responsibility and recover our money. 
Our daytime phone # is XXXX Regards, XXXX XXXX
Product: Vehicle loan or lease

Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.