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

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Personal Loans Cos. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802!

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and Experian I have also contacted all parties, my next step is litigation
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

on XX/XX/XXXX I reached out to inquire about forbearance. I received a letter of XX/XX/XXXX letting me know I was approved for forbearance but it was never requested. 

they also added a negative remark on my credit report lowering it by 20+ points This is bad practice since it was never requested and it impacted me negatively I'm looking to refinance my loan and I was told since it was in forbearance I could not!
Product: Debt collection

Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1666b ( a ) It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

And also if I was not notified 21 days before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Chargeoff, Accounts Included in Bankruptcy, and Public Record should be removed : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. XXXX XXXX XXXX XXXX Owed : {$0.00} - Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. XXXX XXXX XXXX XXXX : {$0.00} - Thoroughly and diligently investigate the inclusion of this account on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. XXXX XXXX XXXX XXXX : {$0.00} - I require unequivocal and concrete proof that justifies the presence of this account on my credit report and categorically certifies that my rights have not been wantonly violated. In the absence of such compelling documentation, I demand the swift and decisive eradication of this unlawfully reported data. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The charge off account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my XXXX XXXX. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report. XXXX XXXX  Bankruptcy Reference # XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Debt collection

I have had no communication with this collector. I received a notification via XXXX XXXX that there was a new collection on my account. I disputed and reported the account to CFPB. This company is engaging in shaddy collection practices. This is the second time they have place this debt on my credit report but have not provide verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to do proper investigation and providing valid verification for inquiries fraudulently done in my name. I provided them my Theft Identity report which still came back verified. These following 10 inquiries are fraudulently reporting on equifax : 1. Dept of Ed ( XX/XX/XXXX ) 2.XXXX XXXX  ( XXXXXX/XX/XXXX) 3XXXX XXXX ( XX/XX/XXXX ) 4XXXX XXXX XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6XXXX XXXX  XXXX ( XX/XX/XXXX ) 7XXXX ( XXXX, XXXX, XXXX ) 8XXXX XXXX XXXX XXXX, XXXX-XXXX  ( XXXX XXXX ) 9.XXXX XXXX XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) 10XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Equifax refuse to do proper investigation verifying saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. Also, I have sent letters in XX/XX/XXXX and XX/XX/XXXX both times not being verified or showing proof.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

1

5 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: Student loan

I refinanced my student loans through another company. Navient overpaid my the balance on some loans and underpaid others. When my monthly bill was due they took the normal autopay amount of {$1100.00} out of my account even though the outstanding balance on my loans was ~ {$300.00} ( and the net was even less ). They told me they would refund the balance within 72hrs. That was over a week ago and instead of satisfying the loans in full, each loan has a negative balance. Now Navient is sending me monthly billing reminders as if they are going to charge me again.
Product: Mortgage

I been fighting Wells Fargo for several years and they kept denying me help from being underwater home since 2009 I have contacted CFPB and Wells Fargo for the last 12 years they would not listen to me about being underwater they tell me to get a appraisal and they would look at it they done nothing now they sunk me so far underwater and kept adding money and they finally sunk me and now I losing my home because they would not help me CFPB would not help me with Wells Fargo they ignored me just like Well s Fargo did now soon I will be homeless thanks to Wells Fargo they are lawsuits out about Wells Fargo but the lady said I did not qualify for it because I am a XXXX personal not XXXX I thought I lived in XXXX thanks XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these XXXX closed accounts would be removed. I previous sent a police report.
Product: Student loan

Nelnet is refusing to place me on the SAVE plan which I was approved for in 2022 and giving false and misleading statements to attempt to deny me access to the Income Driven Repayment plan which i signed up for and was approved for previously. They have switched my payment plan and adjusted the payment plan to a 'standard plan '.

Prior to this I was on an IDR plan already and not the standard plan, there is no universe where I was ever on the standard plan as Nelnet states. They have either been given some incorrect information by the prior loan servicer or failed to do their duty in staying up to date with the current state of the SAVE plan court cases. Nelnet seems to be unaware that the 'one time debt relief ' program and the SAVE plan were contained within the same application in 2022. 

Please instruct Nelnet to place me on the temporary forbearance associated with my approved SAVE plan application whilst they recalculate my account based on this missed information.
Product: Credit card or prepaid card

I applied for an Aspire credit card 2-3 months ago, was immediately told it was approved. Almost a month goes by and never received in mail, called company and they said they would mail a 2nd time. 
Still never received in mail. 

I told them i thought this might be a scam as their recording states to activate card as soon as you call, and i keep getting texts or emails to activate card which i never received. 

I called and gave them a new address to send card to, called back and was told to wait until XX/XX/XXXX, which was still another month. At this point I do not want their card as i found out it is for people with bad credit and has a monthly fee. 

I am going to call company now to tell them to cancel my account. Please make sure they have cancelled my request. 
Thank you.
Product: Credit reporting or other personal consumer reports

Despite reporting these inaccuracies NUMEROUS times this company continues to report an inaccurate payment history to the credit reporting agencies. As per their own internal documentation they have either misapplied payments, or misreported payment history which continues to negatively impact my credit score. There is no logical reason to apply a payment made in XXXX of XXXX to account balance ONE YEAR AND ONE MONTH OLD at the time of they payment. But per their own documentation that is exactly what happened. Further more why would a company receive a payment on XX/XX/XXXX, apply it to an open balance generated on XX/XX/XXXX, all the while continue to " skip '' the XX/XX/XXXX balance which they decided to only apply payment to, over a year later. 

It is obvious this company does a poor job of maintaining their records but I now see this is a long standing habit of this creditor as seen with their {$1.00} XXXX fine from the CFPB for " consistently failure in reporting accurate data about mortgage transactions ''. This continued pattern raises concerns about this company 's commitment to accurate reporting and it's impact on consumers ' credit histories.
Product: Money transfer, virtual currency, or money service

Someone zelled me an amount then cancelled it immediately after which did not allow me to receive the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, WELLS FARGO DEALER SVC XXXX Date Opened : XX/XX/16 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with PORTFOLIO RECOV ASSOC, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report
Product: Student loan

I filed an application for School Misconduct Discharge with Navient on XX/XX/year>XXXX  and received a very general response denying my application on XX/XX/year>XXXX  with no additional information. My loan has since been transferred to XXXX and I have attempted to request further explanation or reconsideration. I have recently received a letter stating my payments have restarted on XX/XX/year>. I owe {$3000.00} more than the original loan I took out although I have been paying on this loan for more than 14 years. My school, XXXX XXXX XXXX XXXXXXXX XXXX, was listed at one of the schools that committed misconduct and fraudulent behavior by the federal government, and I have a pending Borrower Defense Discharge Application but I for some reason do not qualify for loan discharge according to Navient.
Product: Checking or savings account

Ive been recently fighting with CASH APP TO GET MY MONEY BACK!! 
My name is XXXX XXXX and my cash app is XXXX XXXX They keep declining my case and I reopened it XXXX times already lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use XXXX of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXX nc XXXX then it powered off XXXX min later couldnt track it so I filed a police report and now its been XXXX days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB.GOV ATTN EXPERIAN CONSUMER ASSISTANCE CENTER, This complaint is being filed due to the gross negligence Ive encountered from EXPERIAN for their direct violations of several FCRA laws, reporting fraudulent accounts on my credit, and causing me financial duress due to their fraudulent reporting. I am including all supporting documentation to show that Ive communicated more than once with EXPERIAN about this fraudulent OCCU acct ( this account is being listed as included in a bankruptcy and there is not a bankruptcy reporting on my Experian credit file it was deleted IAW FCRA ), and that I have attempted to my full ability to show them that I was a victim of identity theft ( letter sent XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). I have included in those letters the police report ( XXXX ) from the XXXX XXXX Police dept. for identity theft. EXPERIAN ignored this as evidence. Ive also included the letter I received from the federal court house in XXXX stating that the Bankruptcy on file did not match my personal information. Again, EXPERIAN ignored this evidence. This OCCU acct is still reporting on my credit file with Experian and it is not mine as the evidence shows. I had called EXPERIAN several times since first disputing this fraudulent account and asked them who it was they verified this information with, to justify maintaining the account on my credit profile, and they never validated this account IAW FDCPA 15 USC 1692G SEC. 809B. They stated on a call in 2018 that they validated the account but, without any legal validation, they again broke the law IAW 15 USC SEC 1692 ( G ) ( B ) FAILURE TO PROVIDE ANY LEGAL VALIDATION, which also breaks another law, IAW 15 USC SEC 16819 ( N ) CIVIL LIABILITY FOR WILFUL NON COMPLIANCE. 

Because EXPERIAN is not obeying the FCRA laws, I am filing this formal complaint in hopes that they can be held accountable for their actions and gross negligence. I believe it is only fair that they be fined the maximum penalty possible due to the financial pain they have caused me. I have been denied credit several times over the past few years because of this fraudulent bankruptcy. I am considering taking this to litigation and seeking maximum fines if this account is not immediately deleted from my credit file on EXPERIAN. I am a victim of identity theft as shown in the police report and supporting documents. There were fraudulent accounts reporting on my credit file ( s ) in the past and have since been deleted. This account with OCCU is not mine, its being reported as discharged in bankruptcy but, Ive never had a bankruptcy and any bankruptcy with my name on it is not mine, the letter directly from the court states that the PERSONAL information does not match their records. So this account from OCCU is not reporting properly for one, and second it is a fraudulent account on my credit file. 

This account needs to be deleted or I will be forced to begin litigation for these civil crimes against me.
Product: Mortgage

US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.