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

I have a loan with XXXX XXXX. On XX/XX/2022, my debit card that was on file to make monthly automatic payments was compromised due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my personal bank within a one-month timespan. Because my automatic payments could not be made with my initial debit card, I received an email from XXXX XXXX  notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. XXXX XXXX  refused to charge my card ( s ) the day I updated my payment information. As a result, there were two missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. 

I would like to report that XXXX XXXX  intentionally did not take out the amounts I owed in XX/XX/2022 and XX/XX/2022 and as a result, my credit score has plummeted. 

I was put in contact with XXXX XXXX from the Office of the Chairman who admitted that there was wrongdoing on XXXX XXXX  's part but will not correct the issue. It is extremely deceptive to email consumers to their update payment information, but not indicate that a payment will not be made immediately. XXXX took my feedback to improve future communication with customers on her end ; however, refuses to resolve the issue that has impacted me. 

Ive filed complaints with the Consumer Protection Finance Bureau and saw other consumers who were in a similar situation who had this issue resolved. XXXX XXXX is not a consumer-friendly bank, but rather a collection agency. The company asks customers to put a credit card on file as opposed to the account number of a banking account to take out automatic payments for a loan. This is a malicious way to conduct business. There are customers whose debit cards may expire, be compromised, etc. and they are unable to make a payment due to no fault of their own. XXXX XXXX  intentionally wants to destroy the health of consumers credit with their misleading practices. 

Furthermore, there is nothing in the terms and conditions that states that a payment will not be processed the day that a consumer updates their payment information. I've asked numerous times for the terms and conditions that shows that a payment will not be processed as soon as a customer updates their payment information. My request continues to be ignored. 

Please see email attached that shows the lack of clarity for when a payment will be made once a consumer updates their payment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Equifax illegally updated my credit score to show that I have a balance of {$390.00} which was false. XXXX. I had a balance of {$0.00} XXXX. The creditor did not yet report my account for the current statement period but, the credit bureau, Equifax falsely came up with a number which dropped my score XXXX points. I contacted my creditor and I was told I had {$0.00} balance but, they're yet to report this score. Upon speaking with Equifax, they told me the amount was reported but this is false because I did not have any balance. They opened and investigation but, my score never went back up XXXX points not was the remark taken off my report.
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. 

Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX, XXXX XXXX 
Account # XXXX Name : XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # 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 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, credit repair services, or other personal consumer reports

XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   charge off last bill was paid in fill then i notice this on my report  XXXX  never had this account its not me, i just opened a account with   XXXX   XXXX   XXXX      XXXX   XXXX      XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX     XXXX     XXXX   XXXX  these accounts has been paid and closed but it shows a few times on my report and this does not help with my score   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  paid and closed   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX  paid and closed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report, which I believe are a result of identity theft. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. I demand immediate action to investigate and rectify this matter. 

The following unauthorized inquiries have been made on my credit report : 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 
Please provide written confirmation once these unauthorized inquiries have been removed from my credit report. I also request a free copy of my updated credit report for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX medical accounts that dont belong to me it looks like these accounts were purchased by another collection agency and reinserted. These are not my accounts. I uploaded documents on Experian website and they stated online that the investigation was concluded. However, when looking at the results there saying there not available online please help. 

XXXX XXXXXXXX {$2000.00} XXXX XXXXXXXX {$840.00} XXXX ACCT # XXXX
Product: Credit card

Around XX/XX/2024 XXXX XXXX XXXX placed a debit collection on my credit report ( which they shouldn't have ). After them removing it all the credit limits on my credit cards started declining and my credit score went down I reached out to Equifax to understand what had happened. given an they could not tell me I am believing they have committing fraud reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a thorough investigation about the derogatory inquiries and accounts on my credit report that I did not authorize or recognize.
Product: Credit reporting or other personal consumer reports

I have diligently disputed inaccurate information reported by XXXX, Equifax, and XXXX on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated 30-day timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify this matter.
Product: Vehicle loan or lease

I had first got the 2011 XXXX XXXX for a couple days I was took it to a car shop for a oil change and the mechanic ask me where I got this car from. So I've told him and he told me to take the car back and tell them I have a engine problem can they correct it. I went up to car source and told them the situation and they said they don't fix engine 's call credit acceptance. I called them and they said that's not their problem after what I've told them where I got the car from. I couldn't keep up the payments I couldn't make it to work due to my engine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave XXXX and Equifax over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.
Product: Student loan

They refuse to correct any issues on my account. The amounts and the schools that's associated with my account is incorrect. I received a letter years ago saying some of my student loans will be dismissed and Mohela don't even have a record of the school ( XXXX XXXX ). They took XXXX school and added about a XXXX loan to it. The school don't even cost that much ( XXXX XXXX ). I have been asking for years for this to be corrected. They keep taking my account off the income driven repayment plan and put it on forbearance. They do not have the correct time I have been on the income driven repayment plan. They blame the XXXX XXXX XXXX  and will not fix it or take responsibility. I was on the income driven repayment plan long before I was forced to go with Mohela. Then they sent me a bill for oveXXXX XXXX XXXX  monthly after I received a letter saying my payments was {$0.00}. Mohela is the worse serving company. The wait times are hours and then they still don't help you.
Product: Credit card or prepaid card

There are a lot of missing information to tie this account on me. The report is incomplete and I am doubtful that this is correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how XXXX XXXX has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, XXXX XXXX has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with XXXX XXXXXXXX, which was fully paid off and closed in XXXX, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with XXXX XXXX but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with XXXX XXXX regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with XXXX XXXX. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

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

I received a letter dated XX/XX/XXXX from XXXX stating that their investigation was complete, and my credit report remains unchanged because the XXXX XXXX XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.
Product: Credit card

In the attached file it is saying I never made any indication to whether the card was lost or stolen, if on a recorded line like they say you should be able to pull the records that I did in fact say the card was lost, as for a police report no where on there website doesnt say you need to file one in order for fraud to be removed it DOES say you are not liable for fraud The amount is 2,750.95 ( the account has now gone up because of late fees.. I refuse to pay for something I did not purchase ( prime example for a Vet bill, when I dont even have any animals ) I would like a refund but this is not my 3rd time doing this and this company ( Wells Fargo ) has given me 3 different reasons why they wont refund me, when Ive gone through all the proper channels ( to say Ive looked at my account when Ive told them I had issues with my account logging in so it wasnt me, to then saying this last one of not reporting it lost or stolen when I have ) I want a full refund, other wise I will get the attorney general of NY ( my boss ) to look into the shady ways of Wells Fargo and or I will sue this company because I refuse to pay for something I didnt purchase
Product: Student loan

I have been a XXXX. I have a consolidated loan with ACS stemming from my XXXX years to my XXXX to a XXXX. Over the years, I have had an extremely tenuous relationship with ACS. Many times, they have overbilled my monthly payments from {$300.00} - {$2900.00}. Consistently I have given ACS information about my income paying what I can. I might get two or three payments underway and then all of a sudden, an exorbitant monthly payment increase ; of course, I would not be able to pay - essentially underpaying, and then as a result, penalties accrue. I contacted XXXX XXXX, the mother company of ACS, the latter part of XXXX, and had ACS work with me regarding a reasonable amount. This past several months has proved to be no different ; I applied for an IBR income sensitive application at the time XXXX XXXX, and I was paying every month {$72.00} every month since then including the last payment was XXXX XXXX, XXXX. Lo and behold, I log into ACS Sunday XXXX XXXX to make another payment and again, I was being billed {$2900.00}. The website would not allow me to make my monthly payment that I had been making throughout the year. I have no idea what is even my real principal balance at this point. There have been so many years of late accruals and I have gotten deferments, but it has been a vicious cycle to always not being able to pay my loans. Please, Please, Please I am begging you to help me ; I am so tired having to fight this exhausting battle. I have been in XXXX for so long and worked for XXXX for over 10 years. I have dedicated my life to XXXX and to give ; XXXX is my passion and gift. I feel like I am being penalized for this because ACS has denied my chance to have my loans forgiven previously.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX  - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/year> I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. 
This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. 
Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

How is case XXXX closed? It also says I filed a chargeback and was ruled in my favor. None of this case out come it true. I sent documents of the outcome of the dispute. I'm wondering either if you can't read or didnt view the documents. Im personally aggravated with your responses as if you purposely answer in an uneducated manner to make it complicated. Can you please stay focused? 
On XX/XX/XXXX you received payment returned to you for the amount of {$5000.00} that was to be returned to* XXXX , ( transaction ID XXXX ). Merchant XXXX XXXX has yet to receive these funds. I have enclosed the outcome of the case more than once to you. I have also supplied you with documents that you received returned funds from XXXX XXXX in the amount of {$5000.00} to satisfy the funds held in XXXX  XXXX  account. 
Today XX/XX/XXXX I did not receive a notification that the case was closed which I find odd. But it is showing that you closed the chargeback case stating it ruled in my favor. Where do you get this? That is highly the case. I have a document from XX/XX/XXXX regarding the case that the funds of {$5000.00} were returned XX/XX/XXXX per merchants response to the chargeback case. 
If you look at my XXXX bank statement from XXXX XXXX it shows that the funds from XX/XX/XXXX were rebilled back to you in the amount of {$5000.00}. It is listed as XX/XX/XXXX on the bill followed by another transaction purchase XX/XX/XXXX. This is proof of payment returned per chargeback dispute to you PayPal. 
Please do not overlook my documents which contain proof of your wrongful case closing. 
Please refer to XXXX XXXX document dated XX/XX/2020 XXXX paragraph where it states XXXX XXXX does not reach out to third parties such as you PayPal discussing case details. Please note case details will not be shared with you due to security and privacy concerns. 
I would like to know how you closed this case? It is completely invalid. 
Where are you getting your information? If escalated legally you will need educated answers to this this information you claim. My supporting documents show you are lying and stealing money.
Product: Mortgage

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX-year old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.
Product: Checking or savings account

I recently opened an account with Truist Bank, but to my surprise, the account was closed the very next day. When I inquired about the reason for the closure, I was told that it was due to suspected fraud. Truist Bank claimed that they had received this information from XXXX XXXX XXXX, a company that stores public banking data. 

To get to the bottom of this issue, I contacted XXXX XXXX XXXX and requested a copy of my report. Upon receiving it, I found that there was no indication of any fraud-related activity on my part. 

I then visited a XXXX XXXX branch to discuss the matter with the manager and showed them the documentation I had received from XXXX XXXX XXXX. Despite our efforts to resolve the issue, the bank ultimately decided to close my account, despite the fact that I had provided evidence to the contrary and had even verified my identity in person. 

This experience has left me feeling frustrated and disheartened, as I believe that the bank has acted unfairly and without just cause. I hope that this issue can be addressed and resolved in a timely and satisfactory manner.