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

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( Experian, XXXX and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Product: Mortgage

I want to eliminate my escrow account. I willl pay property taxes and hazard insurance directly. 

This company messed up my monthly escrow payment last year and wants to me pay too much to correct it. I will pay the underage for last year and then want to py only principal and interest going forwards Company should be investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had my first name changed last year to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I reported this to all credit reporting agencies XXXX, transunion and XXXX. This last couple months I tried to apply for a loan and it say I dont have any credit history and so most of my applications got denied. I have a long credit history from my previous name used and I still see my old name showing on all credit reporting agencies. Can we please fix this issue? Would like to hear from your office as well. Appreciate your time. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ). 
** On XX/XX/XXXX = I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING.

2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed.

THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX  REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA. 
XXXX Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : XXXX  days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes. 
Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Did not receive anything on this debt
Product: Credit reporting or other personal consumer reports

I have information on my credit report that doesn't belong to me. My wallet got stolen with all my information in it. I also made an FTC report for the accounts and a police report. 

Experian reported 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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I lost my card and I disputed two transactions that I never made on XX/XX/XXXX with my bank Wells Fargo. 
My claim number is # XXXX, the total of the transactions was {$180.00}. One transaction was dated XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX for {$150.00} and the other transaction was dated XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  for {$29.00}. 
I never made these transactions and I received a letter from Wells Fargo stating that I or someone i know made these transactions. The letter also states that the claim will be reversed and I will be charged {$180.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Product: Mortgage

Since XXXX XXXX America 's Servicing Company on several occasions XXXX billed our mortgage payments making it look as if we 're defaulted on our mortgage. We 've brought it to their attention and they have n't fixes it. No we have a Sheriff Sale date of XXXX XXXX 2015. We 've ahad a loan modification to fix the problem only to have them do the same. Their claiming we have n't paid our mortgage in 5 yrs. This has been on going for 9yrs with.them. They 're reporting this on my credit report ruining my credit, and made XXXX hard pulls on my credit when I was n't applying for credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$460000.00}
Product: Vehicle loan or lease

The company did not help. They keep sending unprofessional and untrained staff but when I speak to them they say someone else will call but I never receive a call
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't remove negative items from my report, I called several times and provided documentations, The other Bureaus were able to remove why can't Equifax do the same. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS and pursuant to the following codes it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. XXXXXXXX XXXX it's a car repo since 2016 with {$65.00} charge account is charged off, I called XXXX the phone is disconnected maybe there closed why is it still on my credit report. XXXX XXXX XXXX still didn't provide the purchase contract that proves they own the debt. Why is FCRA law is ignored. Please help me don't just write reviewed by the company and close the file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a 2 & 12 program payments of {$330.00}, which was supposed to end on XXXX however the my client portal on there website which is Helbing Law Group they added XXXX extra monthly payments of {$330.00}. I checked again and they added another monthly payment. They have lied to me over the phone numerous time about the balance, also last XXXX 2021 i paid {$1000.00} so the can settle with home depot which i never agreed to. after they collect on XXXX of {$330.00}, i want to cancel and stop these payments by changes bank accounts so they can stop collecting is this the right thing to do, if not they will keep scam my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.
Product: Vehicle loan or lease

As per our agreement, I will be making a payment of the amount owed and settling the outstanding balance on this account. In return, HYUNDAI FINANCE agrees to remove all negative information related to this account from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days of receiving the payment.
Product: Checking or savings account

Citi App CD matured on XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested to send me a check and close the account during grace period on XX/XX/2023. The account is closed right the way and I've been told I will received the check in mail 10-15 business day. Citibank does not provide any confirmation to the customer. 

Citi App Check not received, be told my account is not been updated and have me visit the branch. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX, XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said they can not handle the transaction made online. Called the customer service and been told that she 'assure ' the check will be sent by XX/XX/2023. Citibank does not provide any confirmation to the customer. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said even I open an account at the branch, still have to call CS to see if they are willing to transfer the money to the account. Called customer service and the machine had no record of my account or SS number. The staff of the branch recommended to press '0 ' to see if I could get to one of the live representatives. It was not working and staff could not do anything else to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX  v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account reporting on my credit report. I contacted the credit bureau to dispute the account. The account was adjusted on the credit report. I called the collection agency and they said that they removed my collection and there's no longer an account. however it still shows on credit report.
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] \ [ Your Address ] \ [ City, State, ZIP Code ] \ [ Date ] [ Credit Bureau Name ] \ [ Address of Credit Bureau ] \ [ City, State, ZIP Code ] Re : Formal Dispute and Notice of Violation of 15 U.S.C. 1681o To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S.C. 1681o, regarding your negligent noncompliance with your legal obligations. I am bringing to your immediate attention inaccuracies in my credit report that require immediate correction. 

# # # Disputed Items : [ XXXX XXXX XXXX Account # XXXX Amount \ {$850.00} XXXX XXXX XXXX Account # XXXX Amount \ {$810.00} XXXX XXXX XXXX Account # XXXX Amount \ {$4100.00} ] # # # Basis for Dispute : The items listed above are inaccurate, unverifiable, and/or outdated. You are obligated under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving this dispute. Failure to do so constitutes a violation of federal law.

# # # Your Legal Obligations : 1. **Under 15 U.S.C. 1681i** You are required to reinvestigate disputed information promptly, verify its accuracy, or delete it from my report.

2. **Under 15 U.S.C. 1681o** Negligent failure to comply with your obligations makes you liable for actual damages sustained as a result, along with costs and attorneys fees.

# # # Demand for Action : You must take the following actions within 30 days : 1. Conduct a full reinvestigation of the disputed items.

2. Provide a written response detailing the results of your investigation.

3. Correct or delete any unverifiable, inaccurate, or outdated information.

4. Provide me with a free copy of my updated credit report.

# # # Notice of Intent to Pursue Legal Action : Should you fail to comply with these legal obligations, I will have no choice but to pursue all available legal remedies. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or initiating a lawsuit to seek damages, costs, and attorneys fees as outlined in 15 U.S.C. 1681o.

This letter is not only a formal dispute but also notice of your liability should you fail to comply. Negligence in fulfilling your statutory duties will not be tolerated.

I expect your prompt attention to this matter and a written response within the legally mandated timeframe. Failure to comply will confirm your disregard for consumer rights, leaving me no choice but to escalate this matter further.

Sincerely, [ Your Full Name ] \ [ Last Four Digits of Social Security Number ] \ [ Date of Birth ] \ [ Email Address ] \ [ Phone Number ] **Enclosures : ** - Copy of my government-issued ID - Proof of address ( utility bill or similar )
Product: Debt collection

This account was charged off and have failed to send me a 1099c debt cancellation form. 
As income that is not allowed to be reported onto a consumer report so it needs to be remove immediately. 
It is in violation of FCRA 15 U.S.C 1681sXXXX ( a ) ( XXXX ) ( a ). 

Also this account keeps updating every month on my consumer report as charged off after originally being charged off on September 2021. They continue to repeatedly update the payment history which charge offs should not have active payment history. They have abused the statue of limitations and violated my rights. I am demanding a deletion of the account.
Product: Credit reporting or other personal consumer reports

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}