23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Aidvantage : I attempted to change my repayment plan to the SAVE plan. I was told via inbox to call to make the changes permanent. I called and was told I needed to pay over {$400.00} to get my payments changed over to the new payment system. I could not pay and was put into a forbearance for 1 month and paid {$5.00} to have the plan changed over. 

I called again because I was not seeing any changes and the gentleman I spoke to was confused as to why the previous agent did that and that what she did was incorrect. 

I called yet again because I was not seeing any changes or confirmation emails that I had a new repayment plan. I was then told that my old repayment system had to be cancelled or exited before getting onto a new payment plan. I put in to exit my current plan and answered all the questions to qualify for the SAVE plan. I was told my payments would be {$0.00}. 

Now I just received a letter saying my payments is due of over {$400.00}. And that I needed to recertify. At this point this is taking so much time away from my family and XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX and experian I disputed with XXXX they never investigated I dont have any account with XXXX never signed a contract I dont have any signed contracts for XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic Issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, XXXX AND XXXX credit reporting agencies block 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 a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX balance {$410.00} This account has resulted in several fraudulent late payments and charge off and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud
Product: Debt collection

Recently I did an investigation and mailed out a letter on XX/XX/year>. What I notice was unauthorized accounts and information on my credit report which caused XXXX  XXXX for me. According to my understanding of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), my report should be report 100 % accurately and I see this is not happening. There are discrepancies in the reporting that require your attention. This account is not my account and is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights as a consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 section 602 ( A ) states I have a right to privacy.

15 USC 1681 section 604 ( A ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me ( consumer ) to have anything written on my credit report and I never gave authorization for that.
Product: Credit reporting

On XXXX XXXX, my wife and I requested a credit investigation with Equifax. As of today, well over 30 days have passed, and we have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as Extreme damages Due to this fraudulent information being Furnished onto my consumer report
Product: Credit card

My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.
Product: Consumer Loan

Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on
Product: Student loan

MY LOAN HAVE GONE UP TO A VERY HIGH AMOUNT THAT IN CAN'T PAY WITH THE INTEREST THEY HAVE ON THIS LOAN. MY LOAN IS GONE UP TO XXXX XXXX XXXX OF DOLLAR, I JUST CA'T AFFORD IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # US bankruptcy XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX has violated my right also XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.
Product: Student loan

AES is falsely reporting to the credit agency 's and refuse to correct. his has caused my credit score to stay low and I can not get housing. I am now XXXX due to their negligence
Product: Credit reporting or other personal consumer reports

Sincerely To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting m

y credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations. The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of disputed information. If the creditor can not provide concrete ev
idence and documentation proving that I was late, you must remove these inaccuracies from my report.

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items. 
XXXX. Supporting documentation confirming my timely payments. 

I demand that you recheck these items with XXXX XXXX XXXX, the reporting creditor. Please remove any unverifiable or inaccurate information. Furthermore, I expect you to complete this reinvestigation and provide me with an updated copy of my credit report reflecting these changes within the legally required 30 days. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates on your progress at your earliest convenience. 

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

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Product: Consumer Loan

I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting a late payment when I never was late and Violating my rights by reporting
Product: Mortgage

I received a letter of credit denial from Envoy Mortgage dated XX/XX/2019. I have never heard of Envoy Portage, nor have I ever applied for a mortgage with Envoy. The loan Originator 's name is XXXX XXXX. Upon contacting Mr XXXX he indicated he received an email forwarded to him with all of my personal information and took it upon himself to apply for a loan in the the amount of {$240000.00}. I at no time was purchasing a home, or even looking at homes to purchase. I was never contacted b y Envoy Mortagge at any time. I have never heard of XXXX XXXX or Envoy Mortagge prior to receiving the denial letter. 

I spoke to XXXX XXXX at Envoy 's compliance department. XXXX advised XXXX received my information from an unaffiliated third party named XXXX XXXX. I confirmed with XXXX that XXXX was not employed by Envoy when my information was exchanged, and she is not currently employed by Envoy Mortgage. I asked XXXX if the process of applying for loans without ever speaking to an applicant, or the applicant 's knowledge that a loan is processed is legal. XXXX advised yes. 

I would like any and all information on my credit report affiliated with any individual and.or company involved in this loan application removed from all three credit reporting Bureaus.
Product: Checking or savings account

Kept charging me overdraft fees and sometimes they were not accurate so eventually the account was charged off
Product: Prepaid card

I recently went on a XXXX cruise and deliberately put the onboard fees to my CashApp card. I did this because its a cash card, not a credit card. I deliberately do this to protect myself from unauthorized transactions, as the card will decline if cash is not available. On XX/XX/XXXX we exited the XXXX cruise and settled the entire onboard account through the CashApp card as expected with no issues. The following day all of the settled charges reappeared as pending on the card. I assumed somehow a mistake was made as again there were no more funds to approve any pending charges and would have, should have, by CashApp documentation declined any further attempts. I waited 4 days, then called XXXX. They told me they had no holds of any kind and even provided a full account statement showing they closed all charges and had no further pending charges. They informed me CashApp is holding those funds and to contact them. I contacted CashApp several times and was told that they can hold my funds up to 30 days with no real explanation as to how and why. I have never applied for credit of any kind with them, yet they are taking my personal funds and holding them as if I had credit with their company. It has been 5 full days as of today XX/XX/XXXX, and almost 10 days on another pending. I see no laws that allow them to steal my personal funds for up to 40 days without any explanation or reprise. Please help my family as this will cause late fee on utilities and possibly worse when I should be protected from unfair, unethical practices such as these.
Product: Prepaid card

On XX/XX/XXXX I called wisely which is issued by XXXX XXXX XXXX to file a dispute because over XXXX thousands dollars was transferred from my pay card to someones XXXX XXXX without my permission they opened the dispute and said I would receive a letter to sign to receive the credit while they investigate time frame was 7 to 10 business days. I waited never received the letter I called them Friday XX/XX/year> they said sorry the dispute was closed XX/XX/XXXX when I asked why would you guys make me wait this long without telling me they said resolution was given 24hrs after I filed the dispute when I asked to speak to supervisor the supervisor told me that yes the process was done incorrectly they dont know why it was not investigated thoroughly because the time frame is not 24hrs however I have to send a letter to have it reopened then they proceeded to tell me the back office will call me within 24 to 48 hrs but I never received a call. They arent following the dispute policy they have in place and no one looked into my dispute its now been 13 business days and I still have no help
Product: Credit reporting or other personal consumer reports

ATTN : ALDOUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Chex Systems Incorporated. Please delete ALL the following accounts and ALL Inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to dispute Inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting act. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX  - XXXX XXXX XXXX XXXX XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XX/XX/XXXX 6. XXXX - XXXX XXXX XX/XX/XXXX 7. XXXX - XX/XX/XXXX See attachments for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act the extensive hard inquiries are currently listed without me ever speaking or giving consent to have my information listed. Please take care of this issue. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

After examining my credit report, I identified fraudulent accounts that were not due to any error on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), AD XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bills were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card companies.I have also put myself on auto pay with each credit card company.