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

disputed on XXXX XXXX accounts reinserted bXXXX XXXX XXXX XXXX XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. XXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i n XXXX. Removed again on XX/XX/XXXX as you see in documents. Reinserted for a 3rd time without 5 day reinsertion notice XX/XX/XXXX. I wrote XXXX XXXX  a letter asking for proof of debt and showing it had been deleted prior. no reply for 5 weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Product: Credit reporting or other personal consumer reports

This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from TransUnion as of XX/XX/XXXX. However XXXX and XXXX claim to have verified as accurate the very same information TransUnion could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please. I submitted this initial complaint on XX/XX/XXXX and on XX/XX/XXXX TransUnion reply that they believed that a third party sent the complaint on my behalf. I called on XX/XX/XXXX TransUnion and informed them that no one expected for myself is authorized to make any changes on my credit file or to have access to my credit file without my direct prior authorization is forbidden. They consented add the notes to my file. Also I was informed TransUnion to proceed with the reinvestigation. They and asked me to submit my ID along with the other information. So this what Im attempting to accomplish today.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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: Student loan

I was contacted by 1file.org to consolidate my student loans and pay {$30.00} a month for 10 years and they would be all paid off. I was then contacted by XXXX XXXX ( US dept of education, ) that I was most likely scammed and that they have not been receiving payments for my loan by 1file.org.
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 Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a XXXX  account ( Account XXXX : XXXX ) on my Equifax credit report. This account is inaccurately reported with multiple late payments, which is false. I have always paid this account on time, and there should be no late payment entries associated with it.

The inaccurate late payments violate my rights under 15 U.S. Code 1681a ( 2 ) ( xi ), which mandates accuracy in credit reporting, and 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, which require appropriate investigation and correction of billing and reporting errors.

Despite my dispute with Equifax, the inaccuracies remain, and no verification has been provided to support the false late payment entries. This is unfair and damaging to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on XXXX  and Equifax. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}.
Product: Checking or savings account

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

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account CAPITAL ONE AUTO with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Mortgage

Called mortgage company, Freedom Mortgage, ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX( spoke w/XXXX ), and XXXX, as well as 3 emails, from company 's website. Calls were made as initial investigation into refinancing existing mortgage. Was told I would receive reply within 24-48 hours. NEVER received any response! Filed an application, online which was acknowledged, by email, on XX/XX/XXXX. No contact since. 
Feel frustration about lack of ability to speak with anyone, other than those fielding calls, at toll-free number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card sent me an invitation number to apply for credit I went online stared to fill the questions but half way i stopped and decided not to apply anumore I changed my mind I called the XXXX card customer service amd asked them why they proceed with my application if i did not summit and finished it They told me that i had enough info already that they proceeded without me summitting it I received an experian credit alert and it will stayed there for 2 years without my consent The lady who i talked to said it will stayed there I think they lie Nd when i called they wanted more info to complete Si whi ch one it is I did not applied
Product: Student loan

I was charged over {$300.00} when student loan payments were paused after Aidvantage took over XXXX loans. I did not approve or restart automatic billing but Aidvantage charged me any way. I called to get my payment refunded and the agent told me they would return my payment in 6 weeks. After 6 weeks I called and they now have an automated message that says payments will take 10 weeks to return.
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 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint for Equifax not reporting my credit score properly. That issue was resolved and miraculously they added XXXX  points to my credit score when the changes at that time we're to account balance is going up. Now once again they show me paying off a card and one card increasing for less than the amount of the car that I paid off and they drop me XXXX points again. I had to submit a complaint before and after the second complaint they resolve this issue but now the issue has returned. There is no logical reasoning that I pay off an account and my credit score decreases but I use a card in the amount due on those cards increase in my credit score increases. There is something clearly wrong and Equifax the system when it comes to my credit reporting and this needs to be completed and fixed immediately. THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail again. So I am hoping that you can assist with a resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies.

Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies.

Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau I am filing this complaint against XXXX  due to their unethical and predatory loan management practices that have negatively impacted my ability to repay my student loan. As a borrower, I trusted XXXX  to act in good faith, but I have experienced the following issues that warrant a review of my loan and possible forgiveness : 1. Deceptive Practices : XXXX  has been found guilty of deceptive practices in steering borrowers away from income-driven repayment plans or other affordable options. I believe I was not properly informed of these alternatives, which could have significantly eased my repayment burden.

2. Mismanagement of Payments : My loan payments were not applied appropriately to reduce the loan principal, making it nearly impossible to make meaningful progress toward paying off the loan. This practice appears to be part of the systematic issues XXXX  was accused of in the recent class action lawsuit.

3. Failure to Act in the Borrowers Best Interest : As the servicer of my loan, XXXX  failed to provide the guidance and support expected, prioritizing profit over the well-being of borrowers. This is evidenced by their disqualification from future government loan programs due to their actions. 

These issues have left me financially and emotionally strained, with a loan balance that seems insurmountable despite my efforts to make payments. Given the findings of XXXX misconduct, I believe it is appropriate to review my case for potential loan forgiveness. 

I respectfully request that the CFPB investigate my specific loan situation to determine whether I have been subjected to any of XXXX  unlawful practices. I am also seeking relief in the form of forgiveness or correction of my loan terms to reflect a fair resolution. 

Thank you for your attention to this matter. Please let me know if additional information is required to process my complaint. 

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

The account with ACIMA Credit acct # XXXX was closed out for a settlement amount of XXXX dollars with this creditor. I was NEVER late on the account and due to settling the account, the creditor reported me late in XXXX & XXXX of 2021
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.