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

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX XXXXXXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately. 


XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXXXXXX XXXX, you MUST delete this immediately. 

XXXX XXXX XXXX Also known as : XXXX, XXXX Current Address : XXXX XXXX AV XXXX, PA XXXX XXXX/XXXX Previous Address : XXXX XXXX AV XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Employers : XXXX XXXX XXXX XXXX  -These personal information are need to be corrected. 

Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF PA ) XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00} Date Opened : XX/XX/XXXX -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX and according to XXXX XXXX XXXX, you MUST delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need Wells Fargo Bank to Update my Account with the current Balance, correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible.
Product: Consumer Loan

I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!
Product: Debt collection

Debt was already paid. Have n't heard anything back from collection company therefore concerned for my personal information and wrongful reporting.
Product: Debt collection

I was sued in court by Portfilio Recovery stating i owed a debt to them i do not owe, I even went as far as trying to just pay it so they would stop hurting my credit, I requested a letter from them stating if i paid it theu would remove it from my credit and they refused.
Product: Student loan

I got this loan In XXXX. Have been paying on it since XXXX. The org principle was XXXX. I have paid over XXXX towards this loan and still have XXXX principle. Something is not right. It was discharged in bankruptcy, they have received the notice and they never respond to it. It's like it never happened. I have paid way over what is owed. This is a predatory loan if I ever saw one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call on  XXXX   XXXX ,    2017  and told Transunion about inquiries on my report that are not mine. They told me that there was nothing that they could do and that I ca n't dispute them
Product: Mortgage

This is on my HELOC dated XX/XX/XXXX, When mortgage crisis hit we had to refi, our first, ( this was before programs were available ) Husband lost his job in XX/XX/XXXX, did receive help from Keep Your California. My husband then became ill in XX/XX/XXXX, with XXXX XXXX. Applied for modification with Ocwen ( org. loan done by XXXX XXXX of the companies that was bailout by taxpayer money ) XX/XX/XXXX Ocwen granted modification on the first extended terms to 40 yrs but said could afford the HELOC as it was interest only at the time, pmt XXXX a month. House was upside down at this point. Tried again in XX/XX/XXXX for help with a modification On The HELOC after my husband died, claiming loss of income and hardship, was denied, said could afford pmt, house still upside down. In XX/XX/XXXX tried again after I was told in may of XX/XX/XXXX my pmt would be principal and interest, letter came in XX/XX/XXXX. I called to ask what the pmt would, and i was told I would get that info. in XX/XX/XXXX. Pmt went to XXXX a month 5 yrs to pay, submitted another modification, denied third time, now they said I had equity and to sell it. Hired an attorney to submitt another modification denied fourth time, said my house was worth XXXX I owed XXXX 1st and 2nd. Had an apprasial done came back at XXXX, dismissed the apprasial and they said it ; s worth XXXX said to sell it. Attorney said they are playing hardball. At this point I am going through my savings to pay the HELOC, getting close to not being able to afford the pmt so I reached out to Ocwen. I have tried to refi, don't make enough money because of hardship, I do not qualify for Harp because of there guidelines, and HUD counselors haven't been able to help. Thank You for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on CB Indigo Account # XXXX in the amount of a {$300.00} Credit Limit account is showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b )
Product: Credit card

I've consistently made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

the following account is negative without furnishing any proof of verification of this debt or that you followed XXXX  laws and regulations to report, therefore you must remove XXXX  negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and XXXX XXXX XXXX. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those XXXX never late! I have had exceptional payment history witH capital 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 those account 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: Debt collection

A new acct showed up on my credit report from XXXX XXXX, the XXXX XXXX XXXX XXXX. I am not eligible for an acct from them as I am not a XXXX  veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, Trans World Systems, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted XXXX directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from TSI they intend filing wage garnishment against me.
Product: Mortgage

I began contacting Home Point Financial to remove the PMI from our loan on XX/XX/2021. I received an email outlining what I needed to provide and an estimated timeline of 60 days for the process to be completed. I immediately sent the required information, receipts, pictures and money they requested for a reappraisal. They cashed my check and I waited for an appraiser to finally show up XX/XX/2021. The appraiser completed her appraisal the following week and submitted it to Home Point. I have called multiple times, sent emails, left messages and have yet to hear any kind of response on removing my PMI. I have paid XXXX and XXXX PMI which should have been removed already. I called again today and stayed on the phone for 36 minutes to be told they would escalate it and call me back. This Is absolutely unacceptable and is costing me money because they are slow to process their paperwork if they do it at all. Please help us!
Product: Debt collection

On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and  report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like XXXX  and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
XXXX  has been lowering my FICO  score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO   scores are atXX/XX/XXXX  or well over. For some reason, XXXX  continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO  drop 46 points down for zero reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like it.
Product: Student loan

For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is very old from XXXX XXXX. the Date it was Opened was XX/XX/XXXX. It was Paid, Closed and written off. The account should have been deleted in XXXX. It keeps reappearing and It needs to be deleted.
Product: Credit reporting or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Account XXXX : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Product: Debt collection

I entered into a lease agreement with the leasing company, XXXX XXXX XXXXXXXX  in XXXX Connecticut, on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXXXXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX  were notified that my roommate had been seen acting violently towards my dog, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXXXXXX counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and XXXX served summons on my roommate. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX XXXX counselor as supporting documents to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the blatant violation of credit reporting laws evident in the persistence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, flagrantly disregards the laws governing accurate reporting. It is evident that the bureau is failing to fulfill its duty to properly investigate and rectify inaccuracies. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of an FTC report and thorough investigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

This account was never used and this is an inaccurate account with the dates given. I don't owe this company anything. This account is old and must be deleted from all three bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern, There is information on my consumer credit report that is a result of identity theft. 

I didn't provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me the consumer. 

Please remove the following accounts/Inquiries listed in the FTC report . For convenience sake I have included proof of my identity.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

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

I submitted a dispute with Equifax on XX/XX/XXXX as of today XX/XX/XXXX I have not received an answer at all. The USPS return receipt says they got the letter, According to FCRA they must remove the item on dispute because it went over the 30 days. Attach to my dispute Im providing you with the letter I sent them also Attach to this dispute a copy of my ID and SS card to prove my identity.
Product: Bank account or service

I opened a checking account with Citibank with a promotion to get a {$400.00} bonus. I confirmed with Citibank that I had met the bonus terms, and waited for the bonus to post to my account ( 90 days was specified by the promotion and in the letter confirming I would receive the bonus ). Several representatives told me I would get the bonus on XXXX/XXXX/17, but it did not show up. I filed a dispute, and they said I would hear back from them by XXXX/XXXX/17, but of course, no response by that date. I called in today, only to be told to wait longer. I feel like Citibank is lying and stalling to get business.