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

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX : {$610.00}.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PNC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the accounts that are reporting on my Credit Reports : 1. PNC BANK XXXX Balance {$44000.00} ; 2. PNC BANK, NA XXXX  Balance {$3100.00} ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my consumer report. The items in question are detailed below and I request their immediate removal from my report : XXXX. XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX These items are incorrect and have negatively impacted my ability to secure a favorable car insurance premium rate. I respectfully request that ChexSystems investigate these inaccuracies and remove the disputed items from my report. The prompt resolution of this matter will significantly benefit my financial standing and ensure the accuracy of my credit report. Please notify me of the outcome of your investigation at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute and assert that it was not initiated by an unauthorized third party or credit clinic. I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ) and related laws that have caused harm to my financial standing and consumer rights. These violations include : Failure to Verify Information ( FCRA Section 616 ) : You accepted and reported inaccurate credit information about me without verifying its accuracy, demonstrating willful noncompliance. This violation is subject to civil liability of up to {$1000.00} per instance.

Lack of Disclosure of Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing my personal information was not disclosed, a deceptive practice violating my consumer rights.

Reporting Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : You reported inaccurate inquiries, accounts, and late payments without proper validation, failing to adhere to Generally Accepted Accounting Principles ( GAAP ).

Violation of Debt Collection Practices Act : Harassment occurred through the reporting of unverified debts and accounts, causing distress and unsolicited contact from creditors.

Improper Disclosure to Third Parties : Debt collectors disclosed my debt information to third parties, violating regulations on acquiring location information.

Inaccurate Reporting of Late Payments : Late payments were reported without a clear definition, which is both misleading and deceptive.

Failure to Accurately Determine Finance Charges : Finance charges were inaccurately assessed, a failure of responsibility as a credit reporting entity.

Unlawful Reporting Without Written Consent : You included information in my credit report without obtaining my written authorization, violating the permissible purposes under the FCRA.

I have provided detailed requests for corrections and validation of specific accounts and inquiries, including, but not limited to : Removal of outdated or incorrect addresses from my credit file.

Updating payment histories to reflect accurate " paid as agreed '' status.

Validation and removal of unverified debts as outlined under 15 U.S. Code 1692g.

If validation can not be providedincluding original applications, contracts, and notarized agreements authorizing debt collectionthe false reporting must be corrected or deleted immediately. Failure to resolve these issues promptly will leave me no choice but to pursue all available legal remedies, as established under the FCRA and related case law, including XXXX XXXX XXXX XXXX XXXX. 

I demand immediate action to rectify these violations and protect my consumer rights. 

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

XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Vehicle loan or lease

In XXXX XXXX I sent ALLY FINANCIAL a letter via certified mail ( Tracking No. XXXX ), addressing concerns I have in relation to my vehicle contract and various consumer violations. In the letter, I also asked ALLY to confirm and disclose if they are in fact the Holder in Due Course of the car note in question, which would require them to address my dispute. I have attached the letter for your reference. Since ALLY never responded, on XX/XX/XXXX, I wrote ALLY regarding this matter through their online messaging portal. I was told I needed to call. However, per XXXX  and Federal consumer laws, I am entitled to a response within 30 days, which never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from discover... i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Checking or savings account

On XX/XX/2023 my car was broken into and my pocketbook was stolen. I immediately canceled my credit cards, including the debit card associated with my Key Bank Checking account. On XX/XX/XXXX a fraudulent check was written in the amount of {$2600.00}. I noticed this on my online statement on XX/XX/XXXX and immediately went to my Key Bank branch to let them know. I was told that the money would be in my account within 24 hours, then I got a call saying it could take up to 90 days, then got a letter in the mail saying that my claim was denied. First reason was that I filed the claim after 30 days, then the bank manager said it was because in the affidavit that I signed I listed my checkbook as one of the items stolen. I was never advised to close my account down at that time or I would have done that. I really thought that by canceling my card my account would be safe. I have a copy of the check and its clearly not my signature. I feel like Key Bank robbed me all over again. Any help you can provide would be SO appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPENED A ACCOUNT IN MY NAME, when I reached out to get it removed I was ignored. 

ALSO, there are inaccurate information on my credit report under my auto loan, I never missed a payment.
Product: Credit card or prepaid card

I am a  XXXX   XXXX  Veteran who is on a FIXED INCOME. I have  XXXX  Capital One Credit Cards and recently receive a pre-approved balance transfer notice in the mail from my  Credit Union  (  XXXX   XXXX   XXXX   XXXX   ) I a ccepted the Balance Transfer with the Hopes of cutting down on the Credit Card Interest Capital One was charging me 29.99 % interest on the cards. My credit union sent CHECKS to Capital One in the amount of {$1300.00} for  XXXX  card and {$3600.00} on the other card over a week ago and Capital One has NOT posted it yet. PLEASE, PLEASE can some  one  HELP me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is the credit bureau Equifax : In XXXX, I tried to freeze my Equifax credit report but their website was not working and couldn't verify my identify. I had to mail in a copy of my social security card and driver 's license so that this could be done. My credit was successfully frozen, but their website still can not verify my identity so I am unable to lift my security freeze in order to apply for credit cards, apartments, mortgages, etc which has been a huge trouble point in my life. After calling customer service a large number of times, they had me send my social security card and driver 's license for a SECOND time to their office to hopefully get things straightened out and my freeze lifted. This was in XXXX and I've waited a year and nothing has happened. About 1-2 months ago, I called again and they had me send a copy of my social security card and driver 's license for a THIRD time to their office. This time I was very attentive to the issue calling every week with an assurance that my issue would be taken care of in 30 days. It was not and I am still unable to lift my security freeze, and therefore unable to apply for credit cards, apartments, loans, etc. I have filed an Equifax dispute via mail ( since I am also unable to do so via their disfunctional website ) which is ongoing and is SUPPOSED to resolve the issue but nothing has happened yet, and I have lost trust with this disorganized credit bureau hence why I am submitting this complaint to CFPB, as this was an issue that should've been fixed years ago. Customer service can't even locate my file despite me giving all my information, and seem to be helpless regarding this specific issue. Worth mentioning : my family as well as hundreds of people on the internet have ran into a similar issue with Equifax. Thank you for your future help.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding a Victoria 's Secret account. I have tried to contact them but no one knows what Im talking about. This account has been closed for almost 3 years. It's impacting my credit score and showing different names on all bureaus. I have suffered emotional distress and as a result, I demand this matter be resolved fairly and equitably. Please remove this account from ALL bureaus. Your company is currently reporting inquiries from all three reports. The account was closed out in the year XXXX, we are in XXXX. Plus, I did not authorize you to review my credit report. Which was last reported in XXXX of XXXX. The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 15USC 1681b If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. Its also a violation of The Privacy Act of XXXX. The inquiry/closed account adversely affects my credit report and hinders my ability to obtain the necessary credit. You have 3 days to comply or legal actions will be taken. Thanks in advance.
Product: Mortgage

In 2005 I was scheduled to close for a loan from Wells Fargo, I was involved in a car accident on the day of closing for my loan where I was rear ended while sitting at my a light at 50 miles per hour, and I was getting my XXXX XXXX as a result of the accident at XXXX XXXX XXXX. The Loan officer called office then my cell phone and said they needed these docs signed today. The loan officer told me her name was XXXX XXXX that I needed to sign docs or my loan would be not be available. I was in the hospital when the loan offices came there, and I had to sign their doc package, three people came to the hospital.. They brought flowers and said thank you. After I left the hospital I complained to Wells Fargo with no resultion or response. I went to Wells Fargo to speak to XXXX and they told me she was no longer there. The reason I want this looked into is because I have made so many payments and the balance stays the same. Please help me to resolve this matter. I just get ignored
Product: Credit card or prepaid card

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAPITAL ONE XXXX )
Product: Vehicle loan or lease

At the end of XX/XX/XXXX I got a loan from XXXX XXXX XXXX XXXX to buy out my lease of a XXXX XXXX XXXX XXXX. The loan agent at XXXX XXXX wrote the loan for the wrong amount- it was short about {$300.00}. XXXX claimed that they sent the loan check back to XXXX XXXX multiple times but XXXX XXXX never received it. So in XXXX of XXXX, I made an additional payment for {$300.00} and XXXX XXXX asked XXXX to cancel the check and reapply the funds to the account. They agreed and said that it would be taken care of and the title would be sent to XXXX XXXX. As of today, XX/XX/XXXX, the title still has not been sent to XXXX XXXX despite the fact that they have had all of the money and information for six months. I have been calling bi-weekly since XX/XX/XXXX and have talked to hundreds of people there, but still have not had any resolutions. They continue to tell me that the special agent is the highest person I can speak with and they can only email the next person, as payment and processing " does not take phone calls ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:Chase Account number: XXXXCredit Card Issuer:ChaseXXXX XXXX XXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. Chase never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling Chase multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with PayPal which since has been closed and they have been holding the funds for they say 180 days in case they have to cover anything. The account has {$180.00} and is under my email of XXXX I am going through and have been going thru, terrible ID theft and computer hacking. One of the accounts or companies in general was PayPal we are multiple accounts of mine were close by PayPal due to suspicious activity and I was never given any explanation as to why and left to pay balances on transactions I submitted to them as being on authorized. This particular account has {$180.00} in it and I have waited the 180 days and it is impossible to get a hold of anyone or get any information on this funds. I have a separate account as well with about {$400.00} and empathy I have erased the transaction history
Product: Student loan

I went to XXXX website and applied for a consolidation loan for my privately held FFELP student loans held by AES. Both originated in XXXX. We are legally able to consolidate privately held FFEL loans. 

AES is refusing to allow the consolidation. XXXX is not responding to the consolidation application that was sent by the student aid website. 

I need my FFELP consolidated. I applied in early XXXX before the federal government made the deadline cutoff for this consolidation of XX/XX/XXXX. I made the application before this time in early XX/XX/XXXX. I DO qualify for consolidation AND FORGIVENESS into federal direct loans. 

Please force the banks and servicers to comply with federal law and allow this consolidation. That would be very nice. 

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

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Product: Student loan

My Direct loans ( I have many from many schools ) were transferred to MOHELA. I left my latest school XXXX XXXX XXXX and applied to start paying my loans off immediately. I applied for a new income-based payment plan through the federal aid website and was approved through Federal Aid that also transferred the required IRS information . However, after applying twice, MOHELA denied my payment plan. The only way to contact them ( no email or forms ) is through a phone number. I got two email rejections. My current plan is asking me to pay over {$3000.00} per month. I can not. When I called today, on XX/XX/XXXX, the customer service representative was not helpful at all. She said that I was denied because I need yearly tax returns for each year I was in a income-driven repayment plan! My first graduate loan was in XXXX. I would have to give them 23 years of tax returns. When I noted this, she said, " yep. '' I then said that does not make sense. The requirement from Federal Aid is that I need last year 's income tax to determine my future payment? Why would I need 23 years of tax returns? I owe a lot of debt and am trying to pay it, but MOHELA puts almost nothing in writing, just a note that my application was rejected, but there are no details until we call. This makes no sense. I had these loans all my life. No servicer ever asked for years of returns. They ask for last year. Even mortgage companies never ask for more than one or two. I don't have that information, and the IRS only goes back to XXXX. Many years, I was in forbearance or deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Dynamic Recovery Solutions Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX UNIT, XXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on Dynamic Recovery Solutions Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

Experian keeps losing my address and because of that they won't let me pull a credit report and I'm trying to do a loan and they need my credit report and score from Experian but because Experian can't seem to get my address correct no one can pull my report from them I called them and they said they wanted me to send a copy of my driver 's license and my social security card which I did in XXXX and they still didn't fix it I need it fixed and they're refusing to fix it
Product: Credit reporting or other personal consumer reports

FIRST NAME : 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  I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX