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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit card

I reached out to Apple Card support multiple times this year requesting assistance in the form of a hardship program or reduced payment plan due to ongoing financial difficulties. I explained that I could not afford the current payment amounts and proposed a monthly payment of {$25.00}. Each time, I was informed that I was not eligible for assistance programs, but I was advised to check back later to see if any programs would be available. However, when I followed up, I was repeatedly told no assistance options were available, often citing that my account closure might affect my eligibility. 

I expressed my concerns about the account potentially becoming a charge-off by XX/XX/year> and requested escalation to a hardship or supervisory team to explore alternative options to prevent further financial harm. Despite my repeated attempts to resolve this issue in good faith, no accommodations were offered, leaving me unable to address my financial obligations effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have had so many problems with getting my system up and running that I can not list them all here. I can not get in touch with supervisors or even the same ( repeat ) person to get my issues resolved. I have been trying to get this taken care of since XX/XX/XXXX. I feel like I have run out of options. The long story short is that we were told we would have it installed by the end of the year in XXXX. It was not installed until XX/XX/XXXX. I was unhappy with the way that the panels were situated on my roof and asked for them to move them. getting them to move the panels was difficult, and they said they would take care of it after much back-and-forth. They sent an install crew out to move my panels, but left the roof racks on. They said that they would get a roofer to replace and repair the roof damage but never did. They ended up giving us permission to find our own roofer and get reimbursed. I had them approve the estimate and went ahead with the roof repairs. I have paid them over a month ago and have not heard anything back on getting the reimbursement. on top of that, their policy is to collect down payment and start the monthly payments when you turn on the system. I was told over a month ago that I had permission to operate and we turned on the system. they went ahead and collected payment. Then we were informed by XXXX that they did not have permission to operate and we were to turn the panels off. Tesla continues to take our payments but does not continue to work to resolve the issue with XXXX. they refuse to contact us because we are asking why we are making payments when we do not have a functional system. Our system has failed inspection twice at this point. It has finally passed but we have multiple weeks left before XXXX will recognize the system and allow us to use it for energy. Tesla is basically nonresponsive at this point because we are categorized as a system that has been turned on. I am making no traction and would appreciate your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid I off my loan earlier than expected due to a promotion XXXX Now was running. I was told around XX/XX/XXXX that I could take advantage of an early payoff option. I could pay my account in full for the amount about {$250.00} ( cant recall the exact amount ) that and save on the rest of the payments and interested. Of course I accepted bc that would save me a lot of money. The account was then closed as paid in full. About a year later, the reporting on this account changed to 60 days late. After speaking to an agent at the store I purchased the account from, I was advised of some accounting errors due to change of staff. Although I made the payment, it was not posted to my account until later which made my account delinquent. This was in XX/XX/XXXX. I was told it would be corrected because they also were reporting I still had a balance of {$2600.00}. I waited 30 days for my reports to update. The balance went to {$0.00} but they never removed the late payments. Long story short, Ive been calling every month to get this fixed. Ive spoken to the manager XXXX ( or XXXX ) at the store and he advised he is waiting for his supervisor to email him back. He does see the error but only she can send in a request to have this updated. I still have not heard back from anyone. I contacted the store on XX/XX/XXXX. XXXX said he would get this corrected asap and apologized. He said he would return my call but I have not heard back. I have also spoken to the female assistant manager but she did not give me her name. I have disputed this with the credit bureaus but I dont feel they are investigating this thoroughly. I have sent a request by mail to corporate office to have the payment history updated but have yet received a reply. My phone calls and voice messages have not been returned. I have called corporate on XX/XX/XXXX and was transferred to someone in credit. I spoke to XXXX, and she insisted they were not reporting incorrect information. She kept telling me that they were not reporting any 60 day late for XX/XX/XXXX but on all the reports it clearly shows that. She insisted it was not being reported. She went over the times a was few days late but I explained to her those payments were late because the someone added inasurance to my account that I did not accept and i had to wait for the manager to adjust my balance. This continually happened where they either never really removed it or someone was going back in to add it. I did not pay that. I only paid what my installment was and the rest had to be corrected by them. She also did not want to accept a copy of my report for review or send an update to the credit bureau. She said she would have a higher up review it and contact me but I have not heard back. I just want the late payments for XXXX XX/XX/XXXX removed and the account to report as paid. Right now it is reporting 60 days late and still open. I have disputed it several times and I has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
Product: Credit reporting

experian reporting a judgement on my credit report this judgement was vacated please remove this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for Equifax. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my Equifax credit file with two completely different account numbers. 
XXXX XXXX XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. Equifax found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding an unresolved issue with my credit report as provided by the three major credit reporting agencies, namely Experian, XXXX, and XXXX. Specifically, I have reported a fraudulent address associated with my name, and despite providing substantial evidence to support my dispute, it has not been rectified as requested. I am writing to request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. 

My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/1989 Social Security Number : XXXX Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, Ca XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX The issue in question pertains to an incorrect address listed on my credit report, which is causing me significant concern and distress. The address in question is as follows : Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never resided at this address, and it does not belong to me. Furthermore, the address is associated with someone who shares the same or a similar name to mine. I filed a dispute with all three major credit reporting agencies, and in my dispute, I marked it as fraudulently reported. In accordance with their procedures, I provided the following documents to validate my claim : Proof of Identity : Copy of my driver 's license Copy of my XXXX Security Card Copy of my Birth Certificate Proof of Address : Copy of a utility bill in my name at my actual address Proof of Identity Theft Report : Copy of the identity theft report, filed with [ Relevant Authorities ] Documentation of Disputed Address : A copy of the credit reports highlighting the erroneous address Despite submitting this comprehensive documentation to substantiate the error and my dispute, I am distressed to report that my dispute has been denied by all three credit reporting agencies. The presence of this fraudulent address on my credit report is detrimental to my financial standing, and I believe it reflects inaccurately on my creditworthiness. 

I am formally requesting the following actions to be taken : An immediate and thorough investigation into this matter by the Consumer Financial Protection Bureau. 

A directive to Experian, XXXX, and XXXX to promptly remove the fraudulent address, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, from my credit report. 

A review of the procedures and policies followed by the credit reporting agencies, particularly concerning disputed addresses, to prevent similar issues in the future. 

I believe that the failure to resolve this matter in a timely and accurate manner could lead to potential financial implications for me, and I am seeking your intervention to ensure the issue is addressed promptly. I am providing the necessary documentation along with this letter for your reference. 

I appreciate your attention to this matter and look forward to a swift resolution. Please contact me at XXXX or XXXX for any additional information or documentation required. 

Thank you for your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently being reported on my Experian credit report is a trade-line named ( XXXX XXXX XXXX XXXX ). This trade-line is an auto finance loan that was opened in XX/XX/XXXX and was subsequently repossessed in XX/XX/XXXX. The loan was originally underwritten by XXXX XXXX but was bought in XX/XX/XXXX by XXXX XXXX XXXX XXXX. The loan first became delinquent in XX/XX/XXXX.

Currently, the loan is being reported incorrectly. According to the FCRA, the trade-line can remain on your report 7.5 years from the first incident of delinquency regardless of debt owner or sale. The loan became first delinquent in XX/XX/XXXX however the trade-line is still being reported to this day ; almost 4 years past the time when it should have been removed.

Experian has been provided full documentation supporting the above information ( 6 ) six times now, however the record has not been updated or deleted. Furthermore, XXXX  has agreed to remove the trade-line and provided documentation, however Experian still has not removed the trade-line. This same information was provided to the other ( 2 ) two credit bureaus ( XXXX and XXXX  ), who have both promptly removed the trade-line.
Product: Checking or savings account

On XXXX XX/XX/2024 my debit card, email address, and phone number was hacked. Unauthorized deductions were made from my bank account. I filed a fraud claim with Wells Fargo. After a week, they concluded the charges were legitimate and would not reverse the charges. The charges made to my account were not made by me or authorized nor verified by me. I informed Wells Fargo my email address and other info outlined above had been stolen and/or hacked.
Product: Student loan

This is fraud! I am not responsible for this loan and want the emails and calls stopped! 

XXXX XXXX -- -- -Original Message -- -- - From : Navient-Department of Education Loan Servicing <CustomerService@Navient.com> To : XXXX XXXX Sent : Sat, XX/XX/year> XXXX XXXX  Subject : XXXX, your student loan payment is due XXXX gave them my info and address and the loans were on my credit report. I am receiving calls again. I want damages for the fraud due to lost jobs and income Department of Education Loan Servicing PAYMENT REMINDER Dear XXXX, We know that everyday life is busy and other responsibilities can distract you from your student loan payment. That's why we're sending you this reminder. 
Your last payment was made onXXXX Please make your payment today : Log in to your account atNavient.com. 



Select the Make a Payment link within the Make Payment tab where you can make a one-time payment. 





Once the payment is received, we recommend our free Auto Pay program- it offers a convenient way to make your student loan payments on time, and you may earn a.25 % interest rate reduction*to lower your monthly payment on eligible loans. 
Did you know? 


You can switch to a different repayment plan at any time to suit your needs and goals. ** Over 50 % of our borrowers who apply and are approved for Income-Driven repayment ( IDR ) qualify for a {$0.00} monthly payment. 



Navient.XXXX  XXXX include information on available repayment plans, eligibility, and other options if you need temporary payment relief. 



Sincerely, Navient - Department of Education Loan Servicing If you have questions, You're welcome to call us toll free at XXXX. We're here to help you Monday - Thursday XXXX XXXX to XXXX XXXX., and Friday XXXX XXXX to XXXX XXXX., ET. 

Need your due date changed? 
One of our specialists can assist you in setting up a due date that is more convenient for you and your schedule. 


* To verify eligibility and the amount of your interest rate reduction, log in to your account and view your borrower benefits. If applicable, the interest rate reduction for Auto Pay will be available only while your monthly payment amount is successfully deducted from the designated bank account. This benefit is suspended during periods of deferment or forbearance, when monthly payments are not required. If you were previously on Auto Pay, we'll resume Auto Pay when deferment or forbearance ends ( unless you contact us to terminate your enrollment ). 
For multi-party loans, only XXXX party XXXX enroll in XXXX XXXX XXXX you are already on an IDR plan, there XXXX be additional factors to consider before choosing a different repayment plan. Call us for more information. 
Make sure Navient makes it to your inbox by XXXX a contact.Get instructions on how to add us to your contacts. 
Privacy|Terms of XXXX 2017 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions , LLC, are not sponsored by or agencies of the United States of America. 
XXXX XXXX XXXX XXXX This E-Mail has been scanned for viruses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I reached out to XXXX XXXXl after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act Capital One XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Despite several attempts to correct a late open account, this discrepancy remain on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify this inaccuracy. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. 
Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. These unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. Please help me correct the account XXXX XXXX XXXX  XXXX Balance Owed : {$260000.00}.
Product: Checking or savings account

My account was compromised due to fraudulent activity and XXXX XXXX XXXX managed by Branch is not allowing me to deposit funds to cover the negative balance and close the account to prevent further fraud. I believe this is predatory activity meant to allow further fraudulent charges to occur on my account, and to cause me to deposit more money into the account because I intend to leave XXXX.