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

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected or remove immediately : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

AGAIN, MY CREDIT SCORE IS NOT WHERE IT'S SUPPOSED TO BE BECAUSE OF FALSE REPORTING OF LATE SUBSIDY MORTGAGE PAYMENT FOR XX/XX/year>. IT REMAINS THAT MY MORTGAGE PAYMENT WAS LATE FOR XX/XX/year> AND IT WAS NOT LOST. THE CHECK WAS SENT TO XXXX BUT XXXX LOST THE CHECK. XXXX XXXX XXXX XXXX HAD TO ISSUE ANOTHER CHECK. I GOT A STATEMENT FROM XXXX  STATING THAT THEY RECEIVED MY MORTGAGE PAYMENTS IN XX/XX/year> WITHOUT ANY ISSUES AND APPLIED THE PAYMENT ACCORDINGLY. I WILL ATTACH THE STATEMENT. I WANT THE LATE PAYMENT STATUS REMOVED FROM MY CREDIT REPORT. XXXX ALSO ADMITTED THAT THEIR SYSTEM WAS NOT RECOGNIZING SUBSIDY PAYMENTS WHICH WAS ONE OF THEIR ISSUES. THAT'S NOT MY PROBLEM AND CERTAINLY NOT THEIR RIGHT TO REPORT NEGATIVES TO THE CREDIT BUREAU.
Product: Credit card

Please check the enclosed documents. I would like the bureau to commence an investigation into these accounts where I have a history of timely payments, despite being inaccurately reported as late.
Product: Credit reporting

I have certain companies that say I owe money, and I never heard of these people and I lost my wallet 4 years ago. I know someone else is useing my identity ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to remove an delete all inaccurate information submitted in the files listed to clear my report. these errors are hurting my file. this needs to be reviewed an delete to help clear the missed information on my credit report asap.
Product: Mortgage

I closed on an FHA mortgage with Home Point Financial on XX/XX/XXXX. I have made every payment on-time and in full each month since closing, including the current payment due XX/XX/XXXX. 
In early XX/XX/XXXX I was contacted by two separate credit monitoring services I have which alerted me to new negative information on my credit report. Upon investigation I found that Home Point Financial had added two new tradelines to my XXXX credit report ( in addition to the mortgage I hold with them ). The two new tradelines do not represent additional credit I have obtained from the lender, they are the result of a system error by Home Point Servicing. Both of these errant tradelines reported as 120+ days past due. 
I contacted Home Point Customer Service on XX/XX/XXXX and spoke to XXXX at extension XXXX. She advised that the issue impacted a population of loans and mine was included. She stated she would have a letter sent by close of business on XX/XX/XXXX, confirming the current status of my loan. I did not receive the letter as promised. 
On XX/XX/XXXX I called Home Point and requested to speak to their Escalations Department and was connected with a Manager named XXXX XXXX explained that credit corrections would be performed no later than XX/XX/XXXX and that I would have my letter of explanation by the end of the day. I received the letter that evening. Credit corrections were made to show the two errant mortgage tradelines as " current ''. 
These phantom tradelines should be removed, not show as actual, existing tradelines, whether open, closed, paid as agreed or delinquent. Having these tradelines remain on my credit report damages my credit score and creditworthiness as it makes it appear as if I am far more indebted than I actually am. It also alters other key components of the credit scoring algorithm, such as average age of credit, number of new accounts, et cetera. 
In a further effort to gain resolution, I sent a letter to the CEO of Home Point,, XXXX XXXX XXXX on XX/XX/XXXX. As of this writing no one from his office or the Executive Escalations team has attempted any contact with me. 
Infuriatingly, on XX/XX/XXXX, I have been informed that Home Point has again reported me as past due. As the attached letter from Home Point will illustrate, this information is completely incorrect. 
I implore you, as the Enforcement Agency for RESPA to assist me. Having my credit corrected immediately is of particular concern to me. As a XXXX XXXX in the XXXX industry and a XXXX as a XXXX XXXX XXXX under the XXXX XXXX ( XXXX # XXXX ) I am heavily impacted by my credit score. I am currently seeking employment and renewal of my license. Both require a stringent credit check. The current state of my credit assures that I will not pass these background checks. 
I will be in poverty if I can not accept work soon. All because Home Point can not correct an error completely of their own making.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

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

These items are not my items reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Credit card or prepaid card

yes I provided citi bank with all the proof from XXXX XXXX showing the works was not performed at all and they stated we were ripped off no work has been done and city is not working for me keeps taking the money back under the fair credit blling act I am protected and under the clause of services not render or received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have signed up online account with equifax and tried to place a credit freeze, I was not able to do do- the website asked me to call customer service which I did and immediately the service agent tried to sell me XXXX credit monitor service which is bunch of XXXX- I know my right- I asked him to place freeze on my account and he put me on hold- again and again ; after 20 minutes he said he can't do it so transfer me to 2nd agent and again after another 20 minutes- nothing was done and we got disconnected. this is a joke- the other 2 credit agency have no issue of me doing online credit freeze. 

equifax- this is terrible for what happened to me- tried to sell me monitor service instead of take care of me as a consumer over the phone- I need an answer on what's your business model and where is my right on able to place credit freeze free of charge
Product: Credit card

I have applied for Capital one Savor one credit through XXXX XXXX. The advertised rate was 19.99 % - 29.99 % with a {$200.00} bonus if I spend {$500.00} in the first 3 months. 

I hit continue and I was approved for 30.74 % and I spent {$600.00}. I come to find out that there is no bonus to redeem. I called customer service and they had two different stories to tell me. The first representative said that my credit is " good '' and not " excellent ''. Although, my score is XXXX and I never defaulted on a loan, declared bankruptcy or had a late payment. 

The second person I spoke to was a manager, he claimed that I have applied for the " good credit score '' card instead of the " excellent credit score '' thought their website when I have clearly applied through XXXX XXXX and not their website. 

Another agent told me to send a letter to genral correspondence. I did that and they wrote back telling me to call customer service. 

On XX/XX/2023 They opened a case for the issue. However, the case was closed on XX/XX/XXXX with basically 2 different answers. The 1st one was " there was no errors on our end ''. The 2nd was " you weren't approved for the 0 % apr and welcome bonus '' Capital one is false advertising on XXXX XXXX to bait new consumers into getting their card. Due to having 2 credit inquiries this year I won't be able to get another card or at least a decent one according to XXXX XXXX.
Product: Checking or savings account

I received an email that Chase was closing my business checking and XXXX  account ( these are my business accounts for law firm ). I called and was informed that the person on the phone could provide no information as to the reason and that a check would be mailed to me overnight for the total amounts. I then applied to open a business bank account with the XXXX  XXXX XXXX. I immediately received an email stating my application has been declined because of information received from XXXX XXXX XXXX , XXXX. It's clearly related. I am not sure what to do from here. At a minimum, Chase should provide a basis for this extreme measure, and an opportunity for me to appeal, provide explanation, or more information.
Product: Debt collection

On XX/XX/year>, I received a letter from a debt collection agency called Allied Interstate LLC regarding an alleged debt. In response, I sent a written request for a debt validation letter and a copy of the purchase agreement for the debt on XX/XX/year> I requesting proof that the debt is legitimate and that they have the legal right to collect it. However, as of today ( XX/XX/year>XXXX  ), I have not received any response or the requested documents from Allied Interstate LLC. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I believe I have the right to request validation of the debt and receive these documents in a timely manner. Allied Interstate LLC 's failure to provide the requested information violates my rights under this law, and I am filing this complaint to address the issue. 
After carefully looking at the NMLS Consumers Access website, it comes to my attention that this company is not allowed to collect in my state of GA
Product: Credit card or prepaid card

I have a Kohls store credit card that I make monthly payments on. I had gone thru financial hardship and was unable to make a few payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account " XXXX XXXX '' is incorrect and Credit Bureaus haven't responded within 30 days of the investigation
Product: Student loan

I'm currently unable to pay my loan due to extreme financial hardship. I applied for an IDR low-income payment plan back in XXXX & heard only that I was placed in administrative forbearance, and nothing else. As of XX/XX/XXXX, I received a letter stating that I was now past due on my account. 


I called MOHELA and was placed on a 2-hour hold. After getting through to a representative finally, they informed me that my IDR application was in fact accepted & they were unsure why it wasn't applied to my account. They then placed me on a few-minute hold, came back online to inform me they needed more time placed me back on hold for a few more minutes, and repeated this about 4x before disconnecting the call for good with no callback number or ID. 

I called back again and after 1 hour wait, was told I had to speak to an " Advanced Agent, '' and was placed on yet another hold. After an additional 1 hour, I unfortunately had to go into work and was unable to wait the rest of the time for the call.

All in all, I spent over 5 hours on hold and was unable to speak to anybody, nor was I able to get a callback.
Product: Credit reporting or other personal consumer reports

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on the XXXX of XXXX XXXX requesting Eastern Revenue, INC. to verify accurate information on account file # XXXX, creditor being XXXX XXXX. They responded with verification of some else 's information supporting my complain that what they posted on my credit report is not accurate and that I have no knowledge of the account. They stated that the information provided was accurate on the paperwork dated on the XXXX of XXXX. However the name on the paperwork they sent is not my name and the address on the paperwork is not my address either.
Product: Debt collection

The collections in question was from a hospital called XXXX Hospital that went bankrupt and shut down. All records and billing were ordered to be destroyed. I have disputed this debt and asked for debt validation repeatedly, as recently as XX/XX/2020, and have received nothing. I am not even positive what this bill is for, but I know that I had medical insurance at the time and it would have covered this debt had the hospital contacted my insurance. They can not even provide me proof that they did send it to my insurance because all records were destroyed. When I asked for them to remove it, they told me that they will not, and even if I paid it in full, they will not delete it from my credit. I thought it was a HIPAA violation as well to keep paid medical debt on a credit report, and if they can not provide me with medical records to confirm who the debt is for and what it was for, how can they still report this to my credit? I am thoroughly disgusted with the way that this entire situation has been handled. If the hospital no longer exists and did not send my insurance the information, I do not owe this debt and it needs to be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of my credit report. The following information is what I believe to be correct : Name : XXXX XXXX XXXX ( 15 U.S. Code 1681i ) Address : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX ( 15 U.S. Code 1681 ) Please delete any other personal identifiers that are not listed above and ensure that there is only one of each type of personal identifier on my credit report. I believe that this is required under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I also reserve the right to seek remedy for any violations of my rights under the FCRA. If you can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.
Product: Mortgage

It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues.
Product: Debt collection

Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.
Product: Debt collection

I reached out to the company once I checked my credit report and saw that this was in collections. I rarely ever need a credit check so I hadn't looked in awhile. I called the company on XXXX XXXX and asked them to send me Verification of some kind showing me that this debt belongs to me, it is now XXXX XXXX and I never received anything. ( No mail, emails, or calls ) I was told they needed to send me a breakdown of payments, what interest was added since this has been active and a contract with my signature saying this is mine. This collections account is the only mark on my credit history and this has never been an issue before. just looking to get this handled.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX scammers stole all the monies in my line of credit, in the amount of XXXX. I reported the scam the same day to Wells Fargo, who in XXXX business days issued a fraud investigation report. They said they deemed all monies taken by the scammers to be authorized by me. Within several days of the report, when I checked my line of credit account online, I got a message from Wells Fargo saying I needed to start making payments on the line of credit. The first payment was due XXXX. Not only that, they switched XXXX XXXX  on to make payments without my permission!! 
I do not think I should have to repay XXXX  monies!
Product: Debt collection

Calls started on XX/XX/XXXX. I stated that I did not want to be contacted. This is a utility bill that was placed in my name by a family member in XX/XX/XXXX. I have stated multiple times that I can not pay it and I can not file charges against my family member. They left the property in XX/XX/XXXX but, they never cancelled services and the landlord did not change it until XX/XX/XXXX. I tried to dispute this with the original debtor and they refused to work with me and stated that I would just have to deal with it. This new debt collections company has begun calling me again and demanding payment. I asked the first gentleman to stop calling me and hung up. Ever since, I have received missed calls on both my work cell phone and my personal cell phone. I have answered and received dead noise or another person on the line. I have again repeated and asked them to stop contacting me. I have since emailed them with copies of the missed calls as well as my call records and asked them to stop contacting me. They have never sent me anything in the mail. They have never confirmed any debts and have been unable to provide me with any sort of break down of the charges. Only continue to tell me that I am responsible.