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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

Re : Interests were capitalized in error. 

It came my attention that on XX/XX/XXXX FedLoan Servicing performed a retroactive action on my federal student loan accounts to capitalize all unpaid interests retroactively as of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX a transfer of my student loans occurred due to my submission of a Public Service Loan Forgiveness XXXX XXXX ) Employment Certification form. When this transfer occurred in XXXX, all of my student loans were already on the Revised XXXX payment plan. There was NO CHANGE in the payment plan as part of the loan transfer. There was NO CONSOLIDATION OR ANY OTHER CONDITION that would lead to an interest capitalization event. 

My initial communication to FedLoan on XX/XX/XXXX about this issue led to a response from FedLoan stating that " When your loans transferred to FedLoan Servicing from your prior server the interest was added to the loan Balance. '' However, this answer from FedLoan Servicing was incorrect because the circumstance of my loan transfer ( due to XXXX  certification ) should not have triggered an interest capitalization event. My follow-up inquiry to FedLoan on XX/XX/XXXX seeking further clarification on this issue has led to no further response from them. 

I am writing to seek your assistance to compel FedLoan Servicing to immediately correct their mistake and reverse all related retroactive changes made to my student loan accounts in XX/XX/XXXX in connection to your error in retroactively capitalizing the unpaid interests as of XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

The collection agency is trying to collect money on a debt that was already paid by XXXX Insurance company. The debt was paid on XX/XX/2011. The collection agency needs to provide information of billing from whom they purchased this debt. XXXX insurance provided the medical claims number ID XXXX ( The below information was copied and pasted from the XXXX website ) Processed By Date Member Provider Bill Amount Plan Paid Your Responsibility XXXX XX/XX/11 XXXX ( Husband ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again please research information with your client but in the mean time by law all Inaccurate information has to be removed from all three credit agencies. Please remove all information of your company and debt information from my credit report. You have the information to follow up with XXXX insurance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Debt Reporting by XXXX  To whom it may concern : I hope this message finds you well. I am writing to dispute an entry on my credit report that I believe to be incorrect. Specifically, there is a debt reported by XXXX for {$160.00} that I do not owe. 
Here 's a bit of context : I used XXXX to finance an XXXX order. However, the order was canceled, and I should not have been charged. The loan did not process until XXXX weeks after the cancellation. Despite this, XXXX has reported a balance of {$160.00} on my credit report, which is incorrect. 
Here are the details of the disputed entry : Creditor : XXXX  Amount : {$160.00} Loan # : XXXX Last updated : XX/XX/year> To support my dispute, I have attached relevant documentation, including : confirmation of Order Cancellation from XXXX and XXXX with XXXX  showing that the charge was incorrect or that the issue was unresolved. I have also attached a copy of my drivers license and a utility bill to confirm my mailing address. 
Given that the order was canceled and I was not charged for it, this debt should not appear on my credit report. I respectfully request that you review the information and remove this incorrect entry from my report. 
Thank you for your attention to this matter. Please let me know if you need any additional information or documentation from me to assist in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : Select Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that Select Portfolio Services has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want Select Portfolio Services to report my perfect payment history to XXXX XXXX, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have submitted all the required documentation to Equifax to unblock my credit file so I can access my credit report. This includes certified mail submissions of my proof of address, drivers license, and Social Security card. Despite these efforts, Equifax continues to claim they have not received my information, preventing me from accessing my own credit file. 

The issue began XX/XX/year>, and since then, I have taken the following actions : 1. Mailed my documents via certified mail several times to ensure delivery.

2. Retained proof of delivery, including certified mail receipts.

3. Followed up to confirm receipt and resolution, but received responses stating that my documents were not received. 

As a result of XXXX failure to unblock my file, third-party services like XXXX, XXXX XXXX XXXX and XXXX XXXX are unable to pull my credit reports, further hindering my ability to monitor my credit.

I am requesting immediate action to unblock my credit file so I can access my credit report, as is my legal right under the Fair Credit Reporting Act ( FCRA ). I expect this matter to be resolved promptly.
Product: Checking or savings account

On XX/XX/XXXX, I requested an external transfer from Citibank. The request was scheduled for XX/XX/XXXX. The transfer " failed '' according to Citibank despite there being no problem when I submitted the request. Then, the yardstick moved to say no external transfers until XX/XX/XXXX. I have tried multiple times. No transaction is allowed to go through. I have only been allowed to make 2 withdrawals a month since XXXX as I try to remove all of my money and close the account.
Product: Credit reporting or other personal consumer reports

Synchrony closed my tj maxx card along with a few others for no reason no missed late payment etc. also wanted to verify when my purchases were and the amounts. Have not responded to any of my complaints on here either. They canceled all my cards at once for no legitimate reason causing my score to drop tremendously and not be able to obtain credit or satisfactory rates
Product: Credit card or prepaid card

Discover was given the tracking number in a dispute I opened with them -- they seem to be siding with XXXX who I also filed a complaint on with another agency for how they stated that they handed to me an order when in reality it was refused for being late. I never got the package - never opened it etc, and XXXX knows that but is lying to Discover. Discover could EASILY look at This is what XXXX says Order placed XX/XX/2021 Total {$22.00} Ship to XXXX XXXX XXXX Order # XXXX View order details View invoice Delivered XX/XX/XXXX Your package was delivered. It was handed directly to a resident. 


But the tracking number is Shipped with USPS Tracking ID : XXXX And if DISCOVER was to simply put it into USPS tracking ( not that hard just pop in usps track a package into XXXX -- they would see this : XX/XX/2021, XXXX XXXX Return to Sender XXXX XXXX, MA XXXX Your item was returned to the sender on XX/XX/2021 at XXXX XXXX in XXXX XXXX, MA XXXX because it could not be delivered as addressed. 


XX/XX/2021, XXXX XXXX Refused NORTH XXXX, MA XXXX So it could not be handed to me on the XXXX like XXXX says DISCOVER because it is in the USPS 's possession going back to the original sender. So if I don't have it and you can see that then I expect the credit of XXXX because you and XXXX are incompetent! You have issues you and XXXX take that up with the USPS not me who never even got it handed to me as XXXX lies to you and you are just as stupid to believe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Product: Debt collection

CREDIT MANAGEMENT LP Last reported XX/XX/2020 {$610.00} Open balance 11 XXXX XXXX  Original creditor XXXX   Opened XX/XX/2020 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name 11 XXXX XXXX  I had this debt resolved by Consumer Finance before under another debt collection and now it is back again. I was not the person who had this account..
Product: Money transfer, virtual currency, or money service

I went to process a wire to a contractor doing work on my house in XXXX This is how I regularly pay him and his information is stored on my on-line banking system with JP Morgan Chase XXXX I went to process the transfer of {$28000.00} on Friday XX/XX/XXXX. I checked on Sat and Monday to see if the wire was received and it was not. There was also no record yet on my list of transactions that it went through. I was perplexed because usually it happens quickly. On Tuesday XX/XX/XXXX I got notification that the wire was processed and reversed. I was told at the time by Chase that it was reversed because of fraud concerns which did not make sense to me. 

I also noticed that the reversal amount was for {$28000.00} - {$30.00} less than the wire amount. I asked them to refund the {$30.00} and they refused saying it was assessed by the other bank who I have no relationship with ... .they were trying to get me to be the middle person to resolve an issue between them and the other bank ( XXXX XXXX XXXX XXXX. The transaction should have gone through in the first place I processed a wire a month or so ago to the same recipient and account. In fact, after getting no satisfaction from customer service at Chase - I processed another on-line wire using the same recipient/acct info and got my contractor paid. 

I want my {$30.00} back. It is a small amount but not fair. Why should I have to pay for them making a bad decision to reverse the transaction? The inconvenience this has caused me is also a lot... there was confusion between my contractor and myself which took hours on both sides to resolve. Please help me resolve the issue with Chase... they have been obstinate in being sensitive to my position and I am actually one of their " Private Clients ''. 
Thank you, XXXX XXXX
Product: Debt collection

The American Education Service has continued to send me electronic bills, call me and sending my account into collections after I have given them the court documents showing my student loans, both federal and non-federal, were discharged in bankruptcy in 2013.
Product: Mortgage

During the month of XXXX I have sent the company 2 validated cashier checks for my mortgage and the claim they have not received non of the payments. I have proof of them receiving the certified mail through the us postal service. So no I am XXXX missing and migrate not paid for XXXX. I call several times a day and they tell me the same thing that they dont have it
Product: Debt collection

Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. RE : your client JPMorgan Chase Bank , N.A . Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. Chase was served on XX/XX/XXXX   with all my 4 individual case filings and Chases other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 Chase accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of Chase. As you know, I have been demanding for almost a year that Chase file its claims with the XXXX pursuant to the arbitration provisions. Due to Chases failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by Chase. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by Chases filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX
Product: Mortgage

LoanCare , LLC ( https : //www.myloancare.com/ ) services my home mortgage loan. I have not been able to log in to my account. After many hours on the phone and talking to several different people, including IT support specialists, I was still not able to log in. They confirmed that I am using the correct user ID, confirmed my phone number, email, and loan number, but were not able to allow me to log in to my account. I was told the issue would be resolved but still have not been able to log in. I'm submitting this complaint in case this helps identify a pattern with this company. I'm not sure what else to do.
Product: Credit reporting or other personal consumer reports

I called Experian or the bureau to see why I havnt got a score still it been 3 or more then that that I still havnt got a score and my card bank not on there anymore when I add my card to it I had to request it n still nothing happen I have one card by my bank and that XXXX  they took XXXX  off or something because they act like they didnt know what to do or how to help me I been paying bills and nothing still happen to see my credit score or payments I did to show them I should already have a score it probably been 4 months now but the thing about it I been had a score on my credit but it disappeared n even took my card bank off so I cant add it back or do anything to get a score
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by Equifax Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within XXXX days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

My issue is with Chase XXXX Bank credit card. I reached out to CFPB regarding a settlement but Chase refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, XXXX. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to XXXX  nor XXXX  XXXX XXXX so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Product: Mortgage

Selene Finance regularly holds my checks for up to 10 days before applying them to my account. My bank, XXXX, mails my checks to Selene to arrive on the XX/XX/XXXX of every month. They claim they don't receive them on the XX/XX/XXXX and that they process them when they arrive. I have been using XXXX for over a decade and all other checks arrive on time. I can not imagine a situation where all of my checks always arrive a week late  only to Selene. I've spoken to customer service about this situation and they claim the checks are processed the day they arrive. This company steals a week or more worth of interest from me every month. 

My bank mailed my XX/XX/XXXX payment to arrive on XX/XX/XXXX. They claim it didn't arrive until XX/XX/XXXX or XX/XX/XXXX depending on which report you look at. My XX/XX/XXXX payment was mailed to arrive on XX/XX/XXXX. They claim they still have not received it. Attached are notifications from the bank showing the dates.
Product: Credit card or prepaid card

On XX/XX/13 - I booked an air ticket for my grandmother through USBanks travel reward portal which shows ticket is refundable if canceled within 24 hours. Now when I tried to cancel, they said it cant be canceled and I have to contact the airline. I have been getting run arounds from both the credit card and airline. Airline said since credit card is a travel agent for us, you have to cancel with them. 

The amount is $ XXXX and need a refund for the ticket. Instead of canceling I was advised to open a dispute ( which I did ) but I feel this is not right.