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

I am submitting a formal complaint against Edfinancial regarding my student loans with account number XXXX. Despite receiving a 1099-C Copy B from the IRS, signifying a discharge of debt, Edfinancial persists in reporting an outstanding balance on my credit report. Moreover, numerous violations of federal laws and regulations have transpired concerning the management of my student loan data and credit reporting. 
The 1099-C Copy B, furnished by the IRS, denotes the discharge of debt pertaining to my student loans. This discrepancy indicates potential fraudulent activity and misinformation on my credit report, a concern corroborated by the attached documents. Edfinancial has infringed upon the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) rights, which safeguard the privacy of student education records. Under FERPA, unauthorized disclosure of educational records to data furnishers is prohibited. The Privacy Act and FERPA, established in 1974, apply to all public or private elementary, secondary, or post-secondary educational institutions. According to 20 USC 1232g ( b ) and 5 U.S.C. 552a ( b ), agencies must not disclose records within a system without written consent, a protocol that was not adhered to in my case. 
Edfinancial has reported an outstanding balance on my credit report without my consent. Moreover, consumer reporting agencies like XXXX and XXXX have provided information regarding my student loans without my explicit authorization, contravening 15 USC 1681 ( s-2 ). The failure to inform me of my nondisclosure option, as mandated by 15 USC 6802, and the reporting of adverse information without my consent, as outlined in 15 USC 1681C ( a ) ( 5 ), are additional violations of the Fair Credit Reporting Act ( FCRA ). Edfinancial has also furnished inaccurate information to consumer reporting agencies, violating 15 USC 1681s2 ( A ) ( 1 ). 
Edfinancial, along with consumer reporting agencies such as XXXX and XXXX, have failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681e. Furthermore, Edfinancial neglected to inform me of my right to opt out of their reporting services, contravening 12 CFR 1016.7. 
In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate action against Edfinancial and the implicated consumer reporting agencies. Additionally, I request that Edfinancial rectify the erroneous information on my credit report and desist from further reporting of my student loan details without my explicit consent. 
Thank you for your attention to this matter. I anticipate a swift resolution.
Product: Checking or savings account

Navy federal credit union let payments on my account clear without proper funds in the account and charged me XXXX per transaction instead of just declining the transaction. I have been a member since XXXX 
And have paid thousands of dollars in fees.
Product: Credit reporting or other personal consumer reports

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  LOAN Accounts Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numbers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A secured Loan opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, A personal Credit Card Opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX, A revolving Opened at XXXX XXXX XXXX XXXX  Account number XXXX, A Collection Opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
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 Experian 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  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Product: Debt collection

On Friday XX/XX/XXXX received XXXX letters from Resurgent Capital Service company intent to collect money. My name is very common, just looking for XXXX XXXX and intent collect money, they don't verify before sending this XXXX. That collection is not mine, it's not my deb. I XXXX with prove documents sign and the last XXXX digits of my social security number. I never use the XXXX XXXX XXXX service. I called the company, but they are asking for your social number I'm not going to provide that information to them, on the contrary they have to prove that this debt is mine.
Product: Vehicle loan or lease

I've had a Bank of America credit card for over a decade and have had an auto loan with them for almost 5 years. I am several payments away from paying off the auto loan. Earlier in the year, I opened a checking account with Bank of America. Unbeknowst to me, this transfers my customer and account information onto a different backend system within Bank of America. This transfer messed up my XXXX XXXX setup in that I stopped getting eBills and my automatic payments were cancelled. I was not able to setup another automatic payment triggered off my bills because " the eBills were already created. '' When I called BoA about this, for the auto loan, they told me to just create a fixed amount recurring payment since my auto loan payments do not change. I did this, as they instructed. Due to this issue, I also cancelled my checking account, hoping that switching back to the old system would fix the issue. It didn't, and actually made it worse. 

On XX/XX/XXXX, two identical auto loan payments were pulled from my checking account by Bank of America. I confirmed with my bank that both transfers were initiated by Bank of America. BoA only shows that they pulled one payment, and all the representatives I talked to, both via secure message and on the phone, said they only show in their system that one payment was pulled. They insisted nothing was wrong on their end, and after I bedgered them to delete all of my eBills in an attempt to " purge '' my account, they deleted some eBills from my record ( eBills I could not see ), and I had hoped this would've resolved it. On XX/XX/XXXX and then again on XX/XX/XXXX, Bank of America pulled my auto loan payment out of my account once on each day, totally two payments again. The issue has still not been resolved, they still have an automatic payment setup in their backend system that they either can not find or have not bothered to find. I am lucky in that I can afford to make these double payments without BoA overdrafting my account, but I see these unannounced and undocumented double withdraws as egregious as I could be sitting in a ton of fees if I didn't have excess money in my checking account. I am also close to the end of my loan payments, and I'm worried that this " ghost '' automatic payment will continue to pull from my account even after the loan has been paid off. I have been trying to get them to fix my automatic payments since XXXX, and they just don't seem to be taking this seriously. I'm hoping a complaint to the CFPB will help prioritize this in their eyes.
Product: Credit reporting or other personal consumer reports

XXXX IS ALLEGING THAT I OWE THEM XXXX XXXX DOLLARS, I NEVER OPENED THE ACCOUNT, THEY TOLD ME IT BELONG TO A XXXX XXXX IN NORTH CAROLINA AND EVEN SENT ME PROOF TO MY ADDRESS IN NY THE STATEMENTS THE ADDRESS DOESN'T EVEN MATCH THEY WERE SENDING IT TO XXXX XXXX. I NEVER OPENED THIS ACCOUNT AND THEY REFUSE TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.
Product: Credit card or prepaid card

I have a way 2 go card and got my replacement card in mail i activated it and it gave me my balance online but I could not make any transfers or transactions
Product: Credit card

I made a purchase for an item that was damaged. I requested PayPal to help get the issue resolved. PayPal claims they are there to help and assist customers and merchants but that has not occurred. That was a hassle within itself but due to the hassle and constant back and forth, I was promised a {$30.00} voucher that has not been applied to my account. I have the confirmation in writing and when I reached out to the person helping, she did not respond. I called PayPal and XXXX the supervisor was rude, disrespectful, cut me off, and muted her line for over 5 mins and refused to talk. I asked for her name numerous times and she would not respond. The voucher still has not been applied to my account and I've been on the phone with PayPal for over 30 mins trying to get a simple voucher I was promised.
Product: Mortgage

On XX/XX/XXXX I received notice that my loss mitigation application had been received and found complete. 

On XX/XX/XXXX I received notice that my application was forwarded to a specialist on XX/XX/XXXX and to please allow 30 days for XXXX to process my application. 

Meanwhile XXXX continued to pursue foreclosure against me, and has rescheduled it 3 times now, current sale date is XX/XX/XXXX. 

On XX/XX/XXXX I Sent a RESPA notice of error and request for information, certified mail, to the proper address asking for the status of my Loss Mitigation Application since I have not received any results of the loss mitigation application I had submitted and that had been accepted as complete. 

On XX/XX/XXXX I received a notice from XXXX that they are " reviewing my account and will make every effort to respond to my inquiry as promptly as possible, and will certainly do so within the time limit required by law. 

XX/XX/XXXX Still waiting for a reply, I could cure this foreclosure through XXXX, but since I have a pending loss mitigation application they can not process my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX   XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my profound disappointment and frustration with the lack of action taken by Experian, XXXX, and XXXX on my previous dispute letter dated XX/XX/XXXX. It is with great dismay that I must inform you that the disputed accounts listed in my initial letter have not been DELETED from my credit report, despite my explicit and unequivocal assertion that these accounts do not belong to me. 
Account Name Account number XXXX ) XXXX XXXX XXXX **XXXX XXXX XXXX XXXX XXXX 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 Not mine I received a letter stating that this account were verified and I insist that Experian, XXXX, and XXXX provide me XXXX within 30 days, with the following documentation, as required by law : 1. Copies of the contracts or agreements bearing my signature for each account listed on my credit report.

2. All supporting documentation or evidence linking me to these disputed accounts.

3. detailed account history, including a record of payments, charges, and any other relevant transactions.

4. Charge-Off Documentation that supports the charge-off status of the account.

5. Chain of Ownership, If the account has been sold or transferred to a collections agency, provide me documentation that establishes the chain of ownership. 
6. Date of Last Activity 7. Proof of Reporting Compliance. 
I would like to receive this information here, so the CFPB can see it and have as a record and also by mail to 7 XXXX XXXX, XXXX XXXX NY XXXX. If this information can not be provided those incorrect accounts should be DELETED from my file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). experian. ive sent a complaint through the cfpb for this account and they replied by saying they verified the account with the data furnisher. and they haven't removed this fraudulent account. i filled out a ftc report for this account. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed. Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, this is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. experain said that it verified this with the data furnisher, how can you verify a charge off with a balance. that is impossible and an obvious inaccuracy. experian is breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws
Product: Mortgage

OnXX/XX/XXXX purchased my first house through XXXX XXXX XXXX. The initial escrow payment was {$690.00}. Wells Fargo purchased the loan and I made the first mortage payment for XXXX. Each month {$150.00} is applied to the escrow account. On XX/XX/XXXX at XXXX I spoke with XXXX XXXX in the Executive Office. Prior to speaking with her I spoke with XXXX in the Executive Office. I was on the phone for many hours without resolution. On XX/XX/XXXXI received a notice that there is a 1 month shortage in the escrow account. I 've spent hours and hours and been hung up on, ignored and provided tons of misinformation. After many different calls and nobody properly being able to pinpoint why there was a 1 month shortage on my escrow account ( including XXXX from Executive Office ) - I finally got a hold of a young lady at a lower level customer support that was able to pinpoint the problem being in the Initial Escrow Account Disclosure Statement. That paperwork that I signed at closing shows taxes due / collected in XXXX, where Wells Fargo shows XXXX. We both googled XXXX XXXX property taxes and noted they are due on XX/XX/XXXX on their website. Wells Fargo has a 2 month minimum in the Escrow Account and collecting for the full year of taxes in XXXX leaves only 1 month remaining in the Escrow account. I 've read this complaint to XXXX for accuracy over a recorded line.
Product: Credit reporting or other personal consumer reports

Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. The following accounts are : XXXX XXXX XXXX  account number XXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Product: Credit card

I reported to Target that my store card was lost and requested a new one. 
I believe I reported this in XX/XX/year>. I received the new one and attempted to activate it, but the company refused without a clear explanation.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX I lived at an apartment complex moved out XXXX, end of XXXX lost my wallet, someone started opening cell phone accounts, credit card accounts, & more in my name. I contacted Capital one in XXXX or XX/XX/XXXX when I first found out about it they were suppose to close the card, they NEVER did. Had to get a police report, send in all kinds of forms, Identification & more. Now here it is XX/XX/XXXX and Capital One is reporting to the credit bureaus a fraudulent account that i AM NOT LIABLE for. When they was been suppose to closed it when I originally called around the first month it popped on my credit which is a month after the person received the card. Capital one fraudulently left the card account open & now are trying to make me responsible for something I didnt do, saying since there is no suspect listed on the police report then there is nothing they can do. XXXX, CA police department DO NOT go to people house and arrest them for identity theft. It could be anybody the wallet was lost in the club & the apartment was vacant. 
The amount is {$670.00} They affected my credit score and now I cant even find an apartment because my score is to low, now imma be homeless again!! I am not responsible for this account.
Product: Mortgage

Payments to bank in XXXX and XXXX of 2020 were put into the wrong account. 
Was told it would be corrected in 24 to 48 hours and I would receive a phone call confirming. No phone call and no correction. I was also told a letter would be sent to credit bureau to correct my credit history. I was also told they knew it was the banks fault and my account would not be charged any late fees. I have repeatedly called to find out why the account had not been corrected yet and each person I spoke with assured me it would be. I asked for a 2020 transaction report and it showed several months of activity were missing and the interest rates were too high. That is the only way I knew I had received late payment charges when I called again to speak with a claims agent. I can't get my statement mailed out on time to make a payment, so I just have to send a check in with the account number written on it. This last payment never posted to my bank so I called and they said they had not received it so I made a payment on the phone and according to the transaction report, the payment went to straight interest and no principal. 
I have spoken with at least 20 different people that say they are sorry and they will get this fixed. It takes over 2 hours or more to even get done with the call from start to finish. My XXXX I need for taxes in incorrect. Of course because my account is still not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid capital one auto finance off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a XXXX balance,