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

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX 54661605****Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear XXXX XXXX I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting. 
I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.

I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process.

Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau.

I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question. 
I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery. 
Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
Sincerely, XXXX XXXX
Product: Student loan

Hello, My credit score has decreased drastically due to late payment for my student loans. I was unaware these payments were restarting. I did make the payment that was due but I need the bad payment history removed from my report. I contacted my student loan provider they advised they aren't reporting any late payments to the credit bureau until XXXX of 2024. I would really appreciate if someone could get back to me on this matter. I have worked extremely hard to get my score over 700 .. it has not been this low in many years. Please help!
Product: Credit reporting or other personal consumer reports

I disputed my personal information be changed with Equifax and XXXX have not got a respond yet. I need all my personal information to be changed. I disputed this information to them on XXXX XXXX and it have been over 30 days. 
I disputed name XXXX XXXX and XXXX XXXX that is not my name. 
my name is XXXX XXXX XXXX
Product: Credit reporting

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX  XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX****, US DEPT ED XXXX****, US DEPT ED XXXX****, US DEPT ED XXXX**** , XXXX XXXX XXXX XXXX****, XXXX  XXXX****, XXXX XXXX****,
Product: Credit reporting or other personal consumer reports

In XX/XX/year> ( I dont have the exact date ) I logged into my edfinancial account and my overall account was reduced by $ XXXX. I did some research and it had looked like I got some money forgiven under the XXXX Administrations since I was a XXXX XXXX recipient. 

I logged back into my account in XXXX and the $ XXXX had reappeared into my account- this also impacted my credit score. My credit report shows that my school loans increased by $ XXXX. 

I have tried contacting XXXX and they told me that there were no changes to my account which is FALSE and that I need to message the credit comapnies however, the credit companies are reporting correctly because my account did get an increase overnight of $ XXXX. I have also been out of college for 6 years so it is not like I got a new loan. 

Also, one of my loans is reporting the wrong school and when I tried to tell them about it they said to contact my school which I did and they said that it is on XXXX to fix.
Product: Credit reporting or other personal consumer reports

After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection App ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation. E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

This letter is in reference to a late fee in the amount of {$28.00} that was applied to my account for my XX/XX/2020 statement. I received an email that my payment was late after the payment date and I immediately made the payment. 

I opened the statement today to find out that I was charged {$28.00}. I immediately contacted Capital One and the call was answered by a representative in the XXXX and could not assist me so I asked to be transferred to the US to a representative in XXXX XXXX ID number XXXX and advised her of the situation and due to COVID 19 credit card companies are to work with their customers. She stated that she would not give any credits and COVID did not apply to my situation. She stated that I had a late fee seven months ago. I advised her that it was due to that Capital One took over Walmart credit card which I had set up on bill pay with XXXX  XXXX XXXX. To this date I am still not able to this account to bill pay with XXXX  XXXX XXXX. She stated that I should be set up on alerts and I advised that I did get the alert that was telling me that my payment was not made. All of other credit card companies send out reminders a week to three days in advance. I asked for her manager and she advised that there is no one over her to speak too. 

This is poor customer service not to be able to speak to someone hire than the person you are speaking to on the phone. She did not even give the option to send a letter. I had to XXXX Capital one complaints to find this address. 

I then called back again and spoke to XXXX Id number XXXX and she stated the same information as she is reading from a script. As a Manager she should have been willing to assist me and not aggravate me. 

With everything going on in the World with COVID 19 credit cards are pro-actively sending communication to assist their customer during these difficult times. 

My spouse and I have several accounts with Capital One and would not recommend to my family or friends to open an account with Capital One. 

I am also going to file a complaint with The Consumer Financial Protection Bureau for further attention.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

XXXX account # XXXX been reporting to the credit bureau this account for XXXX  years I explain to them I never had this account I attach a FTC report an identity theft report with this complaint XXXX XXXX is also the collection agency thats also reporting this account it is fraud an I want this remove from my credit profile an deleted. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My doctors office has been charging me for test 's that are not pre-discussed or explained. I have no idea what they are for. I was not advised of how much they would cost. I have no idea if I was actually given the test 's listed. 

The doctors office ( XXXX XXXX XXXX ) has been atrocious in communicating. In the last year these tests that were given... Prompted the doctors office to send me to the XXXX XXXX two times. 

Both times that I went to the XXXX XXXX, they did more tests and determined there was nothing wrong and they weren't sure why I would have been sent there. I have been billed over $ XXXX dollars. 

My doctors office holds no accountability. ZERO. 

The test 's that we are referring to currently are medical tests from XXXX of 2022. They sent me a bill, I contested the bill. I never heard anything back and they sent the bill to collections. 

I have worked for the last 2 years to pay everything on time in full. I have busted my XXXX to build my credit score up in the hope that someday I might be able to purchase a home. 

XXXX notified me through my monitoring program that I had an account in collections. When I looked at the debt, it is from XXXX XXXX XXXX. That is XXXX XXXX XXXX 's office. 
The company that has taken me to collections is Credit Service INTL CO. 

To my understanding the new laws made it so medical debt would not be put on collections for one year. That is/was an extension from 180 days. 

I have contacted XXXX, they were not aware of the rule and a dispute was filed. 

I would like this debt to be taken off of my credit report. I would like to know how the doctors office came up with these test fee 's and how and when I signed to approve these test 's, resulting in the fee 's and collections account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX  Funding Account number XXXX ( 4 ) Online information service Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My HELOC was sold by Figure to Specialized Loan Servicing ( SLS ) in XXXX of 2023. Ever since then, SLS has been abhorrent to work with. 
I wasn't able to access my account online for a couple of months, once I was able to access it, I was unable to make an electronic payment ( as promised ). 
I asked both a customer service representative and the website to send me email, text, and phone call notices, but I have NOT RECEIVED ANY EMAILS NOR CALLS FROM SLS. 
I set up XXXX  through XXXXXXXX XXXX, and SLS didn't even credit my last payment to my account, NOR did they contact me regarding how the payment should be applied. 
Most egregiously, when my payment was late THEY NEVER CONTACTED ME before reporting a late payment to the credit reporting agencies which had a disastrous effect on my credit score! 
I'm currently on hold with a customer service representative and just reached 44 minutes since she's said a word!?! 
What recourse do I have against Specialized Loan Servicing???
Product: Mortgage

For the past two weeks I have been trying to work with XXXX XXXX to acquire a mortgage. We originally went to George Mason Mortgage to get a XXXX to XXXX loan. We ran into difficulties because of not being able to verify my wife income. So we reduced the amount of the loan and decide that only myself would apply for the loan. XXXX does not like the much lower amount of XXXX. Since that time he has refused to help any longer. He says even though my wife and I have separate credit account and debts that because I am married to her I must claim all of her debt. He also has told me that I can not claim my two years of XXXX income but I have to claim the business debt. I have successfully completed the HomePath Ready Buyer  which is an associated compensating factor which allows for 50 % DTI when using XXXX XXXX XXXX loan. XXXX has said there is not such program. I have asked XXXX to correct his income calculation because as guided by XXXX XXXX rules automobile depreciation claimed on Schedule C needs to be added back into the cash flow calculation. He said there is not such rule. XXXX is also basing his decision on a flawed credit report and has implied that I am lying about the errors. I have asked for a rescore but he has refused. I am also a person with XXXX so I ask for a simple accommodation of meeting in-person to review the documents and to work on the issues, and they refuse to provide me with this simple accomodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a 30 day late reported with a line of credit in XX/XX/2019. I spoke with someone in the bank who advised me to dispute it and I was told that it would be updated as current not late. When disputed with the credit card bureaus the issue was never updated properly or resolved. This is a Line of Credit with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Product: Debt collection

XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX. 
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX I have a charge off account in my name with XXXX XXXX. I shouldve received a 1099-C Cancellation of Debt Form. Because of that, the account is INACCURATE and HAS TO BE REMOVED
Product: Checking or savings account

Ive been on fraud block with Bank of America for over two weeks Ive waited on hold 8 hours a day transferred hung up on I have money In account they will not send my debit card they will not speak to me they will not give me my money and say they will not give me my money with out a lawyer Im a victim of covid 19 its my unemployment so I dont get evicted with my three year old child I have a disconnect notice for water I have money to pay my bills that Bank of America will not give me. I need help I just want my money so Im not on street with my baby