23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It seems none of the prior options fit my complaint. 

I have just been denied XXXX XXXX XXXX XXXX after teaching for 21 years. I enter the income-based repayment plan after hearing about it from a friend. Prior to this, Navient ( and XXXX XXXX ) provided forbearances instead of informing me of the program and enrolling me. I enrolled in XXXX, however this has been an option since XXXX. That was a loss of 6 years toward the XXXX years required. Navient forgave some private loans for these reasons but what about federal loans like mine. The same mishandling they admitted happened to me as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX SERV was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 my 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 60 days 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX SERV 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 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are inaccurate and have caused significant harm to my creditworthiness. I previously disputed these errors in a letter sent to TransUnion on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, TransUnion has failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the recent CFPB and FTC actions against TransUnion for illegal practices related to credit reporting. According to the CFPB, TransUnion has a history of failing to ensure the accuracy of information on consumer reports, resulting in harm to consumers. 

Under 15 U.S. Code 1681i, TransUnion is obligated to thoroughly investigate disputed information and ensure its accuracy. Their failure to do so in this case violates the Fair Credit Reporting Act ( FCRA ) and has caused financial harm and emotional distress. 

I have attached the dispute letter, along with documentation supporting my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.
Product: Student loan

There is very little information of the interest rate benefits of scheduling auto payments on my servicer 's website ( ACS-education.com ). Specifically, there is no information on it in the pages having to do with auto-payments ( ACS XXXX XXXX ). I have been making regular payments now for almost two years. I reviewed the ACS XXXX XXXX webpage several times throughout the time that I 've been paying back this loan because other servicers I use have made this information clear. Today, I finally found the following sentence in the Info Center section of the website : " Please note that many lenders offer interest rate reductions for accounts that are enrolled in an automatic deduction program. Just send an e-mail to us and we will notify you of your eligibility. '' I believe this information was intentionally hidden for the sake of profit. I believe this information would have saved me a decent amount of money if it were more easily accessible. I emailed them today, and am looking forward to a response.
Product: Debt collection

Medical Debt listed on my credit by XXXX XXXX XXXX in the amount of {$700.00}. It was reported on XX/XX/year> and should not be allowed to be on my credit report. Consumer Financial Protection Bureau ( CFPB ) prohibits this starting XX/XX/year>. This rule applies to all medical debt, regardless of the amount.
Product: Debt collection

Midland Funding as Violated the FDCPA on my account which the debt collector has re aged my account which is way pass the 7 year time line for deletion. Midland Funding also trying to send me a settlement offer for debt that as been re-aged. Therefore, changing the dates on my credit report hoping I will pay. As a result, please inform Midland funding i'm not XXXX I will not sue in civil court. I will file a criminal complaint against managers and supervisors of Midland Funding.
Product: Debt collection

I called the debt collection agency, XXXX XXXX, on XX/XX/2023 and requested a current bill from them so I can pay the debt. I explained that I am moving into a new apartment, but my application approval for the apartment is contingent on me paying the balance owed to my old landlord which appeared on my background. I contacted my old landlord ( rental management company ) and was informed the debt was sent to the collection agency, XXXX XXXX, and was given their phone number XXXX to contact the debt collector. When I called the XXXX XXXX at this number, I explained the situation, requested a current bill, and was told that I would receive a current bill via an email within XXXX business days. My email address was verified during the call. I called XXXX XXXX again on XX/XX/2023, as I have yet to receive the current bill from them or any correspondence from them since my call on XX/XX/2023. I explained to them that I am living at a hotel, as I cant move into the new apartment until I receive this bill and pay the balance. The representative with XXXX XXXX stated they saw my request in their system, but that XXXX XXXX requested verification of charges with my old landlord and have not yet received response from my old landlord. The representative stated that have not sent me the bill yet, as they are waiting on the verification of charges prior to sending the bill. I expressed that this is unfair practice as this information is on my background/rental history as unpaid, but they are denying me the necessary documentation to make the payment. They representative informed me that they legally have 30 days to provide this, but that statement does not seem accurate from my research. I requested to speak with a supervisor but was told the supervisor was busy and couldnt take my call. I then requested they send me documentation of this process and was put on hold, then hung up on.
Product: Debt collection

The aforementioned credit collection agency representing whomever your XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, I PRESUM THAT NO PROOF OF THE ALLEGE DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS UNDER 15 USC 1681 GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.
Product: Credit reporting or other personal consumer reports

This the XXXX time Ive been complaining about unauthorized inquiries on my credit report. XXXXXXXX XXXX has XXXX inquiries that are showing no my credit report and due to there data breach has been causing me problems. According to 15 USC 1681 ( I ) I have a right to privacy. This should not take this long to get resolved. Its not mine and doesnt belong to me. Please remove them.
Product: Credit card or prepaid card

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry from XXXXXXXX XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXXXXXX XXXX  on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX EXPERIAN 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  I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

CAVALRY PORTFOLIO SERVICES Last reported XX/XX/XXXX {$3000.00} Open balance CAVALRY PORTFOLIO SERVICES Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) (???? I did not open this account ) Account status XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher Navient as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( Navient ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( NAVIENT ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


XXXX XXXX  XXXX
Product: Checking or savings account

A Account was open in my name in XXXX by a bank named first tech federal credit union that I was not aware of or gave anyone permission to open this bank account. A week later a debit card was sent to my residence. I called the bank and let them know they said I called after hours and we need to call back. A couple days later I called back and They said I would have to go to a sister bank because this bank was not even in my city. Before I could reach out to this sister bank in my city I received an other letter stating that this bank account was - {$13000.00}. I just got off the phone with them today I was able to report fraud again and they stated I would have to get on this website identity theft.gov and reported as well. This is a lot of money and its going to affect my credit score and other places of me trying to open an other bank account in the future. As far as right now, they wont give me any information on who or where they know or what they spent the money on until further investigation I was trying to find out where the money was spent so I know what calls to take because Ive been receiving so many calls and at this point, I dont know which ones are fraud and which ones are related to this account?
Product: Credit reporting or other personal consumer reports

These account is showing inaccurate information. 15 us 1681b and 15 us 1681e accordingly to fcra these law was in place. These account are showing improper information that not right. One bureaus is showing 30 day late payment XXXX  and 60 day late payment XXXX  and 90 day late payment XXXX. And the other bureau is showing XXXX XXXX XXXX. These all inaccurate information please delete harming me from getting house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Transunion, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Product: Debt collection

they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.
Product: Money transfer, virtual currency, or money service

Good day! 

I would like to complain about my paypal account that has been put on hold last XX/XX/2021. According to them I am not complying with the documents to submit for my proof of identity. But the truth is I've been doing and trying to upload it on the system since the time I received an email from them regarding compliance. 

I told them that there has been an error message whenever I tried to upload my document. I've been trying to tell them that there is an error message and been asking to get help from them. They just keep on giving me instruction on how to upload the file. It is very easy to follow but the thing is there is the error message that they should look into my account. 

I am using paypal for XXXX  XXXX  and I really need it to run XXXX  XXXX. Hoping to get help or at least they give attention to my complain. 

Thank you very much. 

Kind regards, XXXX XXXX
Product: Prepaid card

I was looking to use cash appXXXX XXXX XXXX offer. When going to cash app to apply the offer, I click the offer and it says shop where activate would have been! AS I TRIED TO TELL THEIR REPRESENTATIVES, this exact process would happen with XXXX offers where you go to apply the offer and it redirects you to the actual app that the offer will be applied to! 

Well it redirected me to XXXX app with shop Cash app reps will not speak to this! They keep saying I wasnt supposed to have another offer active.. I didnt! They say I was supposed to activate it before purchasing- I did! They wont say anything else just disconnect!