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

I am submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to re-investigate the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I also took notes of the following : 1 ) one of the disputed accounts reporting as late is inaccurate. I was never late and I never missed a payment ; 2 ) I need the Credit Bureaus to send me copies of proof of ownership of the disputed accounts ; and 3 ) there are accounts reporting on XXXX that was already removed from XXXX and TransUnion. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. I need the disputed accounts verified and be immediately corrected and or deleted from my Credit File. Here is the list of the accounts that should be investigated : XXXX  XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Contacted bank on XX/XX/XXXX Your customer service only goes to XXXX XXXX Eastern. Im sitting on hold forever to get an agent. I need to place an ACH stop payment for {$1900.00} from the Internal Revenue Service ( IRS ). I setup through XXXX on XX/XX/XXXX with anticipating withdrawal of XX/XX/XXXX. Per my bankruptcy attorney Im not supposed to directly pay it as my bankruptcy is. The IRS said they couldnt help when I called today to cancel the payment. Please assist. 

They called XX/XX/XXXX from office of president and said stop was placed. Over the weekend XX/XX/XXXX I went to use debit card and it declined and its as a result of the payment hitting my account and putting me negative. I dont recall giving them permission to allow my account to go negative. I contacted the bank XX/XX/XXXX and XX/XX/XXXX via email and this is still not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.
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 Account # 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. 

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 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 XXXXXXXX
Product: Credit card or prepaid card

Disputing Charges with XXXX XXXX originally date XX/XX/XXXX To whom it may concern, It appears this not a typical product/purchase/merchandise dispute case. Even though Ive discussed this with multiple Cap1 representatives Ill go through it again. 
This is a case of Computer hacking and scamming. My computer on the XX/XX/XXXX was hacked and was provided information that if I dont follow these procedures to regain a properly working computer I was in trouble. With the hopes that it would not happen again I fell for this scam, costing initially XXXX for a 5 yr contract. 
I did fall for this scam and quickly spoke to some technology friends and colleagues and I realized my error. 
I immediately decided to cancel my previous credit card xxxx xxxx xxxx XXXX to avoid the charge and decided to not have any further communication with them. 
Capital One did provide requesting service of cancelling this purchase. At this point I think the issue is over. But on XX/XX/XXXX the charge of XXXX from my cancelled credit card surfaces again on my new card account. ( This I find very disturbing in ref the Cap1 policy of charges?? ) So I reviewed this case for a second time and with a Cap1 representative ( XXXX ) on the phone we contact XXXX and speak to XXXX who states that they are no longer charging me for this and case is closed. 
I do thank Capital One for their support and hope this letter provides you finally with enough information to put this dispute case to an end. 
Ive included a few other documents pertaining to my case that I hope will be helpful. 
Most recently besides filing a police report I receive calls from an outfit called XXXX XXXX  XXXX stating that XXXX is going out of business and would provide me a contract closure letter but only if I give them control of my computer again which I denied and was told they will not provide me with a document. 
After sharing all this with Cap1 they still state they require a second opinion on my case and at this point they can do nothing further about it do to time frame limitations. 
And at this point the charge continues to be on my credit card account. 
Please, Please help me put an end to this charge.
Product: Student loan

Navient keeps telling me that my bank account does n't exist even though I confirmed the routing number several times and went to the bank I have the account with who further confirmed not only the routing number, but the account number as well. Their only solution was to sign up for auto pay. I told them I am not signing up for anything until I get confirmation that they received my payment. I had tried to pay my monthly bill four times so far and they are claiming that they can not take the money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby lodge a formal complaint against XXXX Bank and Portfolio Recovery for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with XXXX Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, XXXX Bank assigned my loan to Portfolio Recovery, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer. 

Upon discovering this issue, I promptly reached out to XXXX Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, XXXX Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, XXXX Bank disclosed my personal information to Portfolio Recovery without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity. 

Subsequent to this acquisition, Portfolio Recovery has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay Portfolio Recovery. 

I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued. 

In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore XXXX Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was recently transferred to a new servicer XXXX XXXX XXXX and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer XXXX XXXX XXXX  is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.
Product: Debt collection

I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Experian continues to provide the information listed below, on my credit report. These accounts do not relate to any transaction ( s ) that I have made. I submitted several disputes directly to Experian requesting that these fraudulent accounts be deleted off of my credit report, but they remain This is so frustrating and violates my rights as a consumer. 
These are the accounts that are reporting : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX :, XXXX XXXX, {$500.00} XXXX/XXXX, {$300.00} XXXX XXXX, {$220.00} XXXX XXXX XXXX XXXX, {$6500.00}
Product: Student loan

I had a student loan balance with XXXX XXXX XXXX XXXX. I then decided to refinance with XXXX, who made the payment to XXXX XXXX in XX/XX/2021. They did not pay the correct amount ( they were short by {$2.00} ) meaning I had an outstanding balance since then, which has been accruing interest. For some unknown reason XXXX didn't make the correct payment amount, and XXXX XXXX did not communicate to me that I still had an existing balance. I should have checked with XXXX XXXX, but I assumed that XXXX had done this properly.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of Equifax Data Breach : My information was impacted by the Equifax data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has reported for several years that I have a credit card with them. I do not. In fact I have never even heard of XXXX in any capacity other than this erroneous report on my credit history. 

I have disputed this account several times over the years and have never received a response about my disputes from any of the bureaus. 

Recently I contacted XXXX and offered to pay the disputed amount on the condition that they would contact the credit bureaus and correct my history by acknowledging that the account is not mine and that I never owed them anything. While they didn't explicitly refuse, they did refuse to discuss the matter with me and disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE REASON : EACH CREDIT BUREAU XXXX, EQUIFAX, XXXX ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX reports XX/XX/2014Equifax XX/XX/2014
Product: Consumer Loan

I found this company  E Loan   XXXX  online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to  XXXX  to purchase   XXXX   cards - which I did  ( { $100.00} worth taking out {$100.00} from  XXXX  to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more  XXXX  cards. All told {$700.00} of  XXXX  cards were purchased.
Product: Student loan

Due to an error on their part, Navient mistakenly reported me as delinquent to the credit bureaus. On XXXX XXXX, 2016 I made a {$680.00} payment ( confirmation no. XXXX ) and applied for a forbearance. I was emailed on XXXX XXXX by Navient stating that I was past due and needed to contact them immediately. I promptly contacted Navient and " XXXX '' stated that any payment between $ XXXX {$600.00} would bring the account current. I made a {$450.00} payment at that time ( confirmation no. XXXX ). I was also told I would not be reported to the credit bureaus once this payment cleared. On XXXX XXXX, I was reported as delinquent to the credit bureaus by Navient. On XXXX XXXX I contacted Navient to clarify and made another payment of {$680.00} to attempt to cure their error. " XXXX '' processed the payment and I applied for a forbearance AGAIN ( confirmation no. XXXX ). He stated a 3 month forbearance would be applied. He advised that I contact the credit bureaus to dispute the false reporting, which I did. On XXXX XXXX, XXXX contacted me stating that Navient has refused to revise the erroneous delinquency.
Product: Payday loan, title loan, personal loan, or advance loan

I applied applied for a personal loan on XX/XX/XXXX. Per the company 's submission process, I submitted the application. Then I submitted all documents : two years of W-2 's and pay stubs. Then a few days later, they requested a voided check. That was sent. They then asked for a bank login. I was skeptical, but submitted it. That was Saturday. I was told I would here back within 2 days. That was XX/XX/XXXX it is now XX/XX/XXXX. Now when I called they are telling me they can not verify my information. I am flabbergasted. This is beyond unprofessional. The reps are telling me their system is not working. lol This is 2024 the age of AI and technology. The " dog ate my homework '' is not an acceptable excuse. This is patently unacceptable.
Product: Debt collection

From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the debt was not valid. I sent them a request to have the item removed from my credit report on XX/XX/2018. Caine & Weiner instead sent me a bill with non of the information previously requested in my debt validation letter and they have not sent me anthing stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ), instead they keep harassing me with bills for a debt that has not been proven to be mine.
Product: Checking or savings account

On XX/XX/2023 I attempted to close a key bank checking account, the agent on the phone stated they would start by closing the debit card associated with the account then the account itself. After closing the debit card the agent informed me they couldn't close the checking account due to the pending debit card closure. I couldn't understand how this could be the case but was assured they would call back to close the account. I did not receive a call and the account was overdrawn by the maintenance fee. When I called again today XX/XX/2023 I was informed they would waive the fee, but again they could not close it due to the " pending transaction '' of waiving the maintenance fee. I stated that I have now requested twice to have my account closed and been denied. The agent assured me again that they would " call back '' when the transaction finalized, but that again they wouldn't close it today.