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

On XX/XX/2021 I sent a dispute to TransUnion about XXXX accounts that were open as result of identity theft. Those accounts are : XXXX ( # XXXX, Total Amount Obtained : {$2300.00}, Opened : XXXX ) and XXXX  (. # XXXX, Total Amount Obtained : {$1100.00}, Opened : XXXX ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. TransUnion didn't answer my dispute or blocked the accounts are they are required pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt.
Product: Credit reporting or other personal consumer reports

XXXX breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and XXXX still have it listed on my report. I received 1098 for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX and XX/XX/XXXX I disputed an inaccurate item on my credit which is XXXX XXXX XXXX account number XXXX responded with a debt validation letter with a cease and desist notice they failed to properly validate the debt and this is required by the FCRA I asked for written proof that XXXX XXXX XXXX own the debt and or authorized to collect on it, I asked for the name and address of the original creditor, a copy of the signed agreement with my signature that created the debt, the exact amount of debt owed, a copy of the last billing statement, And account statement showing all charges and payments on this account, proof that the statue of limitations has not expired on this debt in my state, proof that they are licensed to collect debt payments in the state of Wisconsin, and are registered through the NMLS database XXXX I also asked for the chain of title and if they couldnt provide all this information in writing, this debt is not valid. I demanded them to immediately notify the credit bureaus to remove it from my credit file. I just disputed again on XX/XX/XXXX and it came back verified with missing data. No payment history. It was totally inaccurate. I made a call to XXXX XXXX on XX/XX/XXXX asking what was the method of verification that they used to verify that this information was XXXX XXXX  complete and accurate. so I am formally again issuing a cease and desist on XXXX XXXX XXXX and Equifax and XXXX XXXX XXXX to remove this inaccurate account on my credit file immediately.
Product: Debt collection

I continue to ask for proof of debt ; some sort of letter that can be mailed to me to prove this is legit and not a scam. The company has said they have sent out many letters and emails- i haven't received one. The lady XXXX offered to email me a letter of correspondence ; but i've yet to receive it. The company clearly has my correct address, yet I haven't received any collection letters. Foster and Monroe are reporting on my XXXX credit report ; however, I still never received any correspondence about this debt from them.
Product: Checking or savings account

This complaint is towards paypal, On XX/XX/XXXX I was arrested and was incarcerated until XX/XX/XXXX when I was released I was trying to log in to my pay pal cause I know my department of labor benefits was deposited on there when try doing so I couldnt I call pay pal and they said my account is lock due to collections I was confused because I was supposed to have XXXX in my account I try to explain to them the story they pass me around to two department one department wich is collection telling to contact limitations and limitations tell me to contact collections then it was they was going to put in an report for me and then I aint here from them in couple days so call them some one told me after 180 days I cant file a dispute so if something happen in your life cause we all aint perfect but u dont have access to it and someone take over unauthorized and use all your money u cant file a dispute I feel like thats not fair I even had the officer that file my report call them and he said they aint help him or told him nothing so I ask if I could send in documents they said no that I got ta pay XXXX dollars why should I pay when I didnt have control of my account cause I was in jail I just need someone to help me on what to do to retrieve my money back I already contacted department of labor and they said contact your bank and nobody tryna to help me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor Synchrony Bank has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Experian for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC Report to remove all unauthorized inquiries from my credit file.
Product: Debt collection

In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. 

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

SC Housing is showing 120 days late for 17 months. The account still shows open and has been paid off since XX/XX/XXXXXXXX XXXX It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX the account was already paid off by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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: Debt collection

LVNV funding has a fraudulent collection in their office under my name! I have sent them on several occasions supporting documents showing without a doubt that this is not my debt! I sent them an FTC Affidavit Aswell as Notarized ID THEFT documents. Also a letter from the original creditor was sent showing this debt was found to be the result of fraud! LVNV conveniently received everything in my packet I sent but somehow supposedly never got my notarized documents. Everything was sent in the same packet! For the XXXX time this is not my account! LVNV bought this debt from the original creditor and is wasting their time trying to collect on this fraud debt! I will if need be contact my lawyer and have a lawsuit filed against LVNV for failing to cease collection attempts and not remove this from my credit. My lawyers contact info is as follows ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX
Product: Debt collection

XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX   checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, XXXX, and Equifax credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX XXXX own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Mortgage

Hello I applied to refinance my home on XX/XX/XXXX with Finance of America. 
I have all the emails to provide showing all documents being requested from me that I provided and correspondence back and forth confirming closing set for XX/XX/XXXX which was today. 
My appraisal came back worth {$420000.00} I owe XXXX so I was refinancing and including all debts to consolidate for a total loan value of XXXX. 
I have gone back and forth with them acting as Im approved then would get hit from underwriting over and over. 
I will provide all communications reflecting the issues I would like to get help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX : I am trying to dispute incorrect and out of date information on my equifax credit report as it is negatively impacting my score. I have tried calling into equifax where I spent approximately 20 minutes on the automated menu loop that made me press '2 ' every couple of minutes or it would hang up on me. Once it finally started to ring and it appeared like someone was going to answer, the call disconnected. So I called back and was put back into the automated menu loop. The representative then called me back six minutes later and then said that I was next in queue for a supervisor, after which I was placed on hold for over an hour. The person on the phone then asked the same verification questions numerous times then said they could not verify my information. 

I then went online to try and dispute this information, as well as uploading an image of my driver 's license that meets all of Equifax 's XXXXcriteria ' for a document upload, and I am being told they can not process my dispute on line - I must call them. I verified that my license photo met all of the criteria from file size to file name, only uploaded ONE image as instructed, and it puts you on an endless loop that will never allow an average person to be able to dispute incorrect and damaging information on their report. This seems intentional. I took photos and recorded the process of me attempting to dispute my report online all the way through the document upload process and the error message. Equifax had one of the largest consumer breaches in economic history in XXXX and seems to be deliberately prohibiting people from being able to repair their credit by disputing information. 

My XXXX and XXXX credit reports were updated at the time that some of my information changed and debts were paid off so I don't understand what is wrong with Equifax and why they have become so poorly managed in the last few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX FL XXXX ] [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with XXXX and Bank of America , ( Bank of America account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where XXXX payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful. 

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with XXXX. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

Yours sincerely, XXXX XXXX
Product: Student loan

I have been paying my student loans back on-time to EdFinancial for the past 10 years. During Covid, after the federal government stopped the repayment of loans, I was expecting that my automatic payments would continue, and it was a good time to make up ground on this loan. I logged into my account in XX/XX/XXXX, to find out that they had stopped my automatic payments since XX/XX/XXXX, without my consent. I had to call them to request that my loan be taken out of forbearance. Today, XX/XX/XXXX, I logged into my EdFinancial account, because I noticed that my payments weren't happening again. This time, EdFinancial put my account in forbearance without my consent, in XX/XX/XXXX, because I'm in school getting my XXXX. I have been in school since XX/XX/XXXX, so I'm not sure I understand why this happened all of a sudden. Also, they said that they mailed me a letter, but I never received anything in the mail. They also sent a secured message to my EdFinancial account, which I would have to log into to see. I was never notified through email that I had a message waiting to be read. Also, the status read " Payments will restart in XX/XX/XXXX ''. I just read on your site that forbearance can only be extended for 12 months, yet they weren't going to restart my payments until XXXX. Which doesn't make much sense, because I'll be done with school in the fall. Regardless, I don't understand how this company is able to make decisions about my financial status or situation and change my loan. This feels as though they are trying to make up for the interest missed during Covid, and they are using sneaky tactics to recoup this money, and I don't appreciate being taken advantage of. Had I not logged into my account both times, I would have never noticed, and additional years would be added to my repayment schedule.