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

XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting.

REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, this is still remaining inquiry on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XX/XX/2022
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when the transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request imitate investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion to remove an inaccurate bankruptcy reported by a third-party company and they failed to do so.
Product: Credit reporting or other personal consumer reports

I have filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Product: Mortgage

This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. This morning ( XX/XX/2023 ) I talked with a Gateway Mortgage representative named XXXX. He was about the least helpful associate I've dealt with in decades of working with Banks and Mortgage Lenders. My question surrounded why Gateway mortgage has been incorrectly applying the extra payment I started sending to them since last XXXX. Basically, they've been taking the extra payment and applying it ahead in a way that ensures they are receiving their interest payment. He told me that I did not need to make a payment until next XXXX!! Every other bank in the world takes that overage and applies it to the Principle- on the month it's paid. I am asking the CFBP to look at this suspect practice as it clearly violates Truth in Lending laws ( and I'm sure several other laws aimed at mitigating deceptive practices by large banks ). Moreover, XXXX said that he'd " submit a ticket and some supervisor would call me back in 24-48 hours ''. When I asked him for the ticket number for confirmation he said he couldn't give it to me. Beware of this company!! They do NOT keep customer service in mind and their practices are clearly something the CFPB should investigate. At this point, Gateway Mortgage has applied over {$600.00} to their own interest vs. buying down the principle of the loan. Again, this is a very deceptive practice and one that should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. 

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

My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, XXXX, and Transunion Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately.

Thanks so much! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to confer my XXXX as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid over XXXX $ on an old account from XXXX which is now in collections. I have been disputing the credit report inaccuracy since XXXX of XXXX. They are refusing to update the balance. It has now been several months and several disputes. They now updated " No information '' for XXXX, XXXX, XXXX, and XXXX. This has gone on far long enough. It an old account from when I was married, the vehicle was XXXX and was returned due to the company refusing to follow through on warranties. It's been paid on since as far as I know by my ex husband, as well as I have paid hundreds. Im actively working on my credit score as with age and maturity I'd like to financially be on point with things. Who knew a grade would mean so much to me! haha, but this account has been proven to be quite unreasonable. It's through XXXX XXXX.
Product: Mortgage

Wells Fargo denied my request for modification in XXXX claiming I had exceeded my limit which I explained was untrue. I ended up filing Ch. XXXX because of their unwillingness to help. After filing for Ch. XXXX, in XXXX per my attorney 's instruction, I submitted another request for modification which was then approved but due to some communication breach between my attorney and Wells Fargo, the  modification began with a 3 month delinquency already on the account. My current XXXX request for modification was denied on the grounds that I have exceeded my limit, the same excuse given me in XXXX and that the previous modification was delinquent even though it was that way prior to my signing modification paperwork. I 'm not asking for an adjustment in payment, only for assistance with the arrearage which has bloomed due to a combination of fraudulent practices during the last modification, personal financial hardship, Wells Fargo 's refusal to accept payments from me and demanding all arrearage instead and many attorney fees added by Wells Fargo.
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 XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint against XXXX, a creditor that has been contacting me excessively regarding an alleged debt. Despite their numerous attempts to reach me through emails and phone calls, I have never received any written notifications or disclosures sent through the mail that detail this supposed debt or my rights regarding it. 

To date, I have not been provided with any documentation that verifies the validity of this alleged debt. The lack of communication through proper channels has denied me the opportunity to dispute this claim or understand its nature. Instead, I have been subjected to harassing communication methods that have contributed to significant distress and confusion regarding my financial status. 

I believe that XXXX has violated established policies that protect consumers by failing to provide the necessary written notice and verification of the alleged debt. Their repeated outreach has caused me undue stress, as I am unaware of the legitimacy of this supposed obligation. 

I kindly request that the CFPB investigate this matter and take any necessary action to address these concerns. Please let me know if you require any further information from me to assist with your investigation. 

Thank you for your attention to this matter.
Product: Debt collection

I am writing to dispute and request the removal of certain accounts on my credit report that are being marked as late payments and are on the verge of being charged off due to fraudulent activity. After discovering unauthorized transactions and identity theft, I have taken immediate action to address and rectify the situation. It is crucial that my credit report accurately reflects the circumstances surrounding these accounts. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXXPLEASE DELETE!!!

I recently discovered fraudulent activity on my accounts, which has resulted in unauthorized transactions and subsequent late payments. I have reported the fraud to the respective creditors and have taken the necessary steps to rectify the situation. However, the negative impact on my credit report remains.
Product: Vehicle loan or lease

I bought out my lease from Hyundai Motor Finance ( HMF ) for a XXXX XXXX and even though they cashed my check over 35 days ago, they keep giving me the run around about when I'll receive documents so I can transfer the title. Before submitting the lease buyout documents, I called HMF to verify they would send either a notarized title or bill of sale and I was guaranteed the bill of sale would be notarized if the title was not... neither are. 
I've contacted HMF multiple times to request a notarized document stating the purchase price of the vehicle, and every time I'm told it will be 5 business days. HMF confirmed today that they still haven't processed anything and, " we're processing requests from two months ago ''. HMF has intentionally misled me and misrepresented their services in what appears to be an attempt to discourage me from exercising my contractual right to purchase the vehicle. They have lied about sending the notarized documents and it appears they intentionally misled me and then changed their story once they cashed my lease buyout payment on XX/XX/XXXX. 
I've contacted HMF multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be given a different story each time, without progress or an outcome. The XXXX XXXX Clerk and myself have both sent a KY  Certificate of Title form to HMF to sign also and have not received a response.
Product: Credit reporting or other personal consumer reports

I am formally submitting a request for the removal of an inaccurate public record of a Chapter XXXX bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XXXX XXXX, XXXX This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,
Product: Student loan

I'm part of the large cohort of borrowers dealing with Mohela. 

It's been a nightmare saga for years, some of which I have attempted to address with Mohela directly. However, this always requires an hour+ of waiting on hold and yields unsatisfactory results. 

Most recently, I was among a cohort of borrowers who received a letter from Mohela detailing the interest accruing on my loans. However, I am on the SAVE plan and have a XXXX percent interest rate ( which the letter itself states ). No interest should be accruing on my loans, and this letter is incorrect, misleading, and par for the course from Mohela. 

You can read more about our experiences here : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. 

THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. 

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

EXPERIAN IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 

- XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX. XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had XXXX in XX/XX/XXXX and my insurance XXXX approved payment to XXXX XXXX XXXX in XXXX Texas. I also had to pay XXXX out of pocket to the hospital admin before insurance and hospital would allow my procedure. The hospital was paid, the doctor was paid, and I have confirmed this with XXXX XXXX in XXXX. Now they sold a fraudulent bill to obtain more money creating a fraudulent transaction. The creditors have no rights to claim this on my credit report since this is a fraudulent case. This is fraud from hospital double charging practices and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}
Product: Credit reporting

I am disputing information on my Experian Credit Report. Experian has sent letters in the past claiming that my dispute was frivolous and they would not reinvestigate any items that are incorrect as they have supposedly verified them as correct. I have asked for verifiable proof of what Experian has claimed is incorrect in my credit report and they have failed and said this does not apply to them. Their inability to provide any proof makes me believe they are not actually verifying any information and just claiming that information on my credit report is correct. I have mailed letters dated XX/XX/2017 to them concerning this. The letter is attached to this email that I have mailed to them.
Product: Bank account or service

I have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.
Product: Debt collection

Sw Credit Systems L.p. 
reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response