23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" I am filing a complaint regarding inaccurate information being reported by multiple financial institutions on my XXXX credit report. Despite submitting clear evidence proving the inaccuracies in the reported payment histories and account details, the reporting agency did not conduct a thorough investigation and left the incorrect information unchanged. Below are the specific issues with each institution : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( Status Updated XX/XX/XXXX ) The reporting reflects incorrect payment information, specifically showing missed payments in XXXX and XXXX of XXXX. I provided evidence demonstrating that these payments were made, yet the information has not been corrected after the reinvestigation. This has negatively impacted my credit score. 
XXXX XXXX Account # 1 Account Number : XXXX Status : Open/Never late ( Status Updated XX/XX/XXXX ) This account appears to be accurate. 
XXXX XXXX Account # 2 Account Number : XXXX Status : Paid, Closed. {$1100.00} written off ( Status Updated XX/XX/XXXX ) This account continues to report as charged off with multiple past-due entries from XX/XX/XXXX through XX/XX/XXXX, despite the fact that I provided clear evidence disputing these charges. XXXX has failed to correct this after reinvestigation, and I request that the CFPB intervene to ensure the correct information is reflected. 
XXXX Bank ( XXXX ) Account Number : XXXX Status : Closed. {$370.00} written off. 
XXXX Bank is continuously reporting a charge every month, which unnecessarily refreshes my credit report and negatively impacts my credit score. This repetitive reporting increases my credit utilization and does not accurately represent the current status of my account. Despite submitting a dispute with clear evidence, the issue remains unresolved. 
These inaccuracies have significantly affected my credit score, and I request the Consumer Financial Protection Bureau ( CFPB ) to intervene. I have attached the updated credit report from XXXX along with the supporting documentation for each disputed item. Please help ensure these institutions correct their reporting and update my credit file accordingly. ''
Product: Mortgage

PennyMac mortgage company does not offer functionality for their customers to make their mortgage payment from two accounts. I've asked repeatedly why this can not be done and their only response is they don't accept partial payments. I've explained we are not making a partial payment, we are paying the full payment just out of two accounts since we share responsibility in the monthly payment. Their automated system/internet system are preset to not allow consumers the option to make the full payment from different account information. You are forced to make payments over the phone with a rep with a resulting fee. This seems like an unfair practice to just make an additional fee ; the options available should be the same at all touch points for the customer. 

In addition they will take excess for escrow and still advise that your payment is increasing to cover escrow cost. If a consumer pays the difference due to avoid an increase in payment ; why is the monthly payment still increased. When asked, they can't answer ; state that's just how it is.
Product: Mortgage

I have been attempting to avoid foreclosure since the separation with my ex husband. I have provided what has been asked of me over and over and over and its a never ending cycle. I am simply asking to avoid foreclosure. Please have someone on behalf of Carrington assigned that is actually going to take responsibilty of receiving my documents and ensuring a decision is reached. Now that I am facing a sale date the bank tells me I should have requested mortgage assistance once again from them 27 days prior to my trustee sale date. Please be fair and allow me to exhaust the option to avoid foreclosure.
Product: Credit card or prepaid card

On XX/XX/2018 I had funds automatically taken out of my checking account from XXXX XXXX twice from XXXX 's. There should have been one ( 1 ) payment of $ XXXX instead there was two ( 2 ) automatic deductions for {$260.00} taken from my checking account. This has not been rectified as of yet. 
The website for XXXX 's was having issues with the automatic payment when I initially tries to have the payment initially setup on XX/XX/XXXX. However, I didnt think it was completed. So, when I didn't see anything online under my XXXX 's account webpage or any acknowledgement I initiated a payment on XX/XX/XXXX for {$260.00} to be deducted from my checking account on XX/XX/2018. Then, two ( 2 ) minimum payments for {$260.00} each were taken out of my account. 

I disputed on XX/XX/2018 with my bank ( XXXX XXXX ). They, in turn had me sign dispute document five ( 5 ) business days later and fax it to XXXX 's. However, it has been ten ( 10 ) business days and I need my {$260.00} back into my checking account. 

XXXX 's was no help as they stated they had to see a payment first ( when I called on XX/XX/2018 ) when I initially contacted them via phone.When I called back five days later they showed no credit on my account. I need my {$260.00} and this process in the year XX/XX/2018 is unbelievable.
Product: Vehicle loan or lease

Aggravated Identity Thief 15 USC 1681c-2 States Except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that ; the consumer identifies as information that resulted from an alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and XXXXardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX  is reporting a debt on my report that does not belong to me after being informed of the fact. They cant provide key identifying information and the social security of the applicant of the debt and mine different.
Product: Credit card

I was traveling in the XXXX XXXX XXXX on personal holiday & researching schools for teen age daughter. Wells Fargo cancelled my emergence ViSA  card this past Friday for no good reason. I got the VISA card while at the XXXX XXXX 10 days ago & candidly it did not work as I hoped & I had plenty of credit on it. It didnt even work in the darn. 

Wells Fargo left me out to dry & in a Very BAD situation. Luckily, I have a bit of travel insurance. I want restitution of $ XXXX asap! I have all at attempted receipts to try to use the card. They said all my charges were fraud which was XXXX. I have all the declines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from TransUnion if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017,  10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Product: Debt collection

XXXX XXXX XXXX - XX/XX/2022 ; The alleged account is showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

XXXX XXXX XXXX XXXX They are reporting this alleged account on my credit, yet the company is permanently closed- therefore the debt can not be verified. The account is also showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.
Product: Debt collection

On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. 
Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. 
In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. 
XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. 
Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. 
I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. 
I would appreciate any assistance you can give me resolving this matter.
Product: Student loan

While waiting for a final review of my Temporary Extended Public Service Loan Forgiveness Application, my student loans were forgiven under the temporary waiver. Given the added FFEL payments that were now counted, my forgiveness date should have been in XXXX. For this reason, I should have received a refund for all payments made from XXXX to the start of the Covid forbearance. However, I was one of many accounts whose NSLDS loan history data showed an extended and erroneous " In Grace '' status when my loans were still with XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX, I received bills and paid monthly, but those months appear on my loan history as " in grace ''. Everyone with student loans knows that is impossible. Grace periods never last more than 6 months and I was already paying, was not in school, and would not have been eligible for a grace period at that time, let alone one that lasted 34 months. Because of this error, those months were not counted, and my forgiveness date shows as XXXX XXXX and therefore, I did not receive a refund for any of those months I paid beyond when I would have hit 120 payments for PSLF. This problem became known by the Department of Education and the errors have been fixed for those affected who had not yet received forgiveness. Unfortunately, my loan history has not been corrected and to date, I have not received the refund I am due because as long as that error remains, my forgiveness date remains incorrect as well. I need this fixed! 

I understand that I am fortunate to have received forgiveness and I am grateful. However, this administrative error has robbed me of a significant refund of over {$8000.00} by my calculations- a refund others received only because they were not a victim of this system error. I am filing this complaint because the ombudsman/complaint process at the Department of Education is broken and the 3 complaints I have filed have been dismissed without any research or even attempt at trying to understand the nature or merits of my complaint, despite them knowing this was a system issue and my submitting proof of payments for those months. I would like someone to actually address this- correct the NSLDS errors, adjust my forgiveness date, and credit me the payments made between the adjusted forgiveness date and the start of the covid forbearance. 

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

Dear Sir/Madam, I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed from my report. 
XXXXDEPT OF ED Account Number : XXXX Account Type : Installment account XXXX Code : Individual account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$1700.00} Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) XXXX for Dispute : Accuracy of Reporting : The information provided by XXXX/DEPT OF ED appears to be inconsistent across the XXXX credit bureaus. Specifically, the last reported date and the date of last activity differ significantly between the reports from XXXX, Experian, and XXXX. Such discrepancies can affect the accuracy of my credit report. 
Status and Comments : The status of this account is listed as " Closed '' and " Paid or paying as agreed '' across the bureaus. However, Experian reports it as " Paid, was past due 90 days. '' This inconsistency is concerning and may not accurately reflect my payment history.

Impact on Credit Score : The incorrect reporting of the status and discrepancies in the dates can adversely impact my credit score. Given that this account has been paid and closed, it should not negatively influence my credit profile.

Enclosed are copies of the relevant credit report sections highlighting the disputed items. Please conduct a thorough investigation and remove or correct this inaccurate information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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 XXXX months
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct this with the credit bureaus and the creditor/lender, the incorrect entry remains. I request the CFPB 's assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened I KEEPT GETTING ALERT FROM SIGHTS ALERTING ME A NEW INQURIRIES WERE MADE. I DIDNT APPLY FOR ANYTHING BUT TOOK ALOOK AND ALL THEESE INQURIRIES WERE DONE WITHOUT MY KNOWLEDGE. OR MY PERMISSION. companys that ran my credit without knowledge or permission : 1. XXXX on XX/XX/XXXX 2.dept of ed on XX/XX/XXXX 3XXXX  XX/XX/XXXX 4. XXXX XXXX  twice on XX/XX/XXXX & XX/XX/XXXX 5XXXXXXXX XXXX XX/XX/XXXX 6.XXXX  XXXX on XX/XX/XXXX 7.XXXX XXXX  on XX/XX/XXXX 8. XXXX XXXXXXXX af on XX/XX/XXXX 9. XXXX  ran twice on XX/XX/XXXX 10XXXX XXXX on XX/XX/XXXX 11. XXXX on XX/XX/XXXX 12. dept of ed on XX/XX/XXXX 13.XXXX XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX
Product: Credit card or prepaid card

I made a payment on the due date that posted the following day resulting in it being late by 1 day. Im not disputing the late fee its the amount due and past due charges that I cant get any cooperation in resolving. Because I made the payment my account should have been current. Instead I had a past due amount of {$25.00} and a minimum due of {$87.00} the next month. My minimum payment was {$42.00} prior to being 1 day late. The supervisor told me that my payment increase is because I was late. Nowhere in the credit card agreement does it say this or that late fees must be paid immediately. Normally late fees would be added to your balance. Synchrony bank is a predatory Lender and will continue to be. My account was also closed by the supervisor and another account with synchrony I had never used. I can provide a copy of my credit file. I have zero late payments with any of my creditors revolving or installment. I was never late with my synchrony account until this payment posted a day late which is my fault. I just dont understand the doubling my payment and {$40.00} late fees because I am not paying the higher payment. I continue to make the required minimum payments I was making prior to this