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

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, The Equifax 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 an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXXXX open on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Chase bank opened and closed a former credit card account without my permission. This resulted in an inquiry to my credit along with my history now showing I open and closed another credit card. At no point did I tell them to open this card and their actions show they messed up by closing it the same day on their own. I have called their customer service and they confused. Their request was for me to send them a message in their internal message app. I feel as if they could be doing much more as I was about to use my credit score for a large purchase. This will impact my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Product: Student loan

Issues : - Nelnet took 3 months to process my application during which time I accrued a huge amount of interest. Borrowers should be able to recoup this as they are not at fault. 
- I was wrongly placed in REPAYE instead of XXXX by Nelnet and had to reapply for XXXX. 
- Under the XXXX plan my payments are {$1200.00}. 
- To date I have paid a total of {$150000.00} - a more than I originally borrowed ( {$100000.00} ). 
- I have been in repayment since XXXX and have never defaulted. 
- I am unemployed and have XXXX income since my XXXX benefits expired in XX/XX/XXXX. 

Details : I applied on XX/XX/XXXX for a new XXXX plan. I waited on hold for over XXXX hours to talk to a Nelnet representative as the information on how to apply for the XXXX plan was unclear. I was walked through the process with the Nelnet representative and submitted the application while we were both still on the call. I was not given an option to select the XXXX plan on the application, instead it stated that the plan would be chosen by my student loan servicer. The Nelnet representative assured me that I would be placed in the XXXX plan. 

On XX/XX/XXXX I received an email from Nelnet stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$0.00}. There was no mention of which XXXX plan so I wrongly assumed I was in the XXXX plan. After some digging I discovered I was in XXXX, not SAVE to my surprise. I reapplied on XX/XX/XXXX and this time I was given the option to apply for the XXXX plan. I received an email on XX/XX/XXXX stating, Your IDR Plan is effective on XX/XX/XXXX for up to 12 months. Your monthly payment amount for your qualifying loans will be {$1200.00}. 

I have been unemployed since XX/XX/XXXX. In XX/XX/XXXX my XXXX benefits expired and I have XXXX income. My health continues to suffer and while I really want to get back to work I can not estimate when that will be. 

I called Nelnet on XX/XX/XXXX after the plan came into effect on XX/XX/XXXX and I could indeed confirm that the monthly payments were {$1200.00}. The representative confirmed that the payment should be XXXX based on my circumstances but after some time on frequent hold, I was informed that the case was being referred to another team who would investigate and respond, usually within a XXXX day timeframe. I was advised to not make payments and that my credit would not be affected. To date, Nelnet has not responded. I have received several emails from both Nelnet and the XXXX Department of Education informing me that I am past due and that I need to make a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate.

In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from Equifax that affirm that my information was compromised in XXXX.
Product: Credit reporting or other personal consumer reports

The problem is I checked my credit report and see inquiries thats not authorized by me and I read out to the company and still didnt get it resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

i called transunion on different occasions report that thay are reporting inaccurate information on my behalf told they thay are in violation of my right and inform of the violation that i will be take precautionary measures with fines
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to remove an inaccurate and unverifiable charge-off from my credit report, despite clear evidence that this information is incorrect. 

I previously disputed a XXXX XXXX XXXX charge-off with XXXX, XXXX, and Equifax. XXXX conducted an investigation and determined that the account was unverifiable, leading to its deletion from my credit file. I have official documentation from XXXX confirming this. 

However, despite this clear evidence, Equifax continues to report this charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain only accurate information. If XXXX determined that this charge-off was inaccurate and unverifiable, Equifax must remove it as well.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires that, when information is removed from a credit report, other credit bureaus must be notified so they can update their records accordingly. By refusing to acknowledge XXXX findings, Equifax is violating this legal obligation. 

I have formally disputed this charge-off with Equifax, XXXX either a detailed verification procedure or the immediate deletion of this account, but Equifax has failed to act in compliance with federal law. 

This refusal to correct my credit file is causing financial harm, preventing me from obtaining credit, and damaging my reputation.
Product: Debt collection

Wakefield & Associates trying to collect for XXXX XXXX. This is a medical charge. We met our maximum family deductible in XXXX of XXXX. We provided documentation multiple times to XXXX, to Wakefield, by mail. Female collector said it was likely mailed to a different office and she hasnt seen it. She said she was still going to try to collect the balance. My daughter has an XXXX XXXX XXXX so we hit our deductible very quickly every year. We provided audited health documents to both entities ; they just ignore them. Our health provider says we dont owe anything. This collector is a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Prepaid card

Card was locked and replacement issued, account flagged, but I was told even though the were certain I did not make the purchases, I could not be reimbursed because they had already delivered the product. 
Spoke with Customer Service, was told the card would be locked, and a new one issued. They said I should call the companies that sold the product for a refund. 

XXXX XXXX XXXX {$46.00}, XX/XX/23 {$41.00}, XX/XX/23 {$47.00}, XX/XX/23 {$34.00} {$3.00} Service charges. 
Handled by Customer Service Rep : XXXX. Card used flagged as fraud. 

XXXX XX/XX/23 {$77.00}, {$90.00}, XX/XX/23 {$0.00}. {$2.00} service charges. 
Spoke with Customer Service Rep : XXXX, she opened a service request : XXXX, and suggested I report the activity because the Debit Card company was responsible for returning my money.
Product: Debt collection

This collection agency took my personal information from the previous collection agency that I had closed and removed from my credit report due to account being over 7 years ago therefore this account was deleted from my credit reports. Under the law ( 15-U.S.C. 1692 te seq. ) and under ( 15- U. S.C. 1681 ) I am a victim of fraud as its listed on all 3 credit reports and dont recall the collection charge from 10 years ago the statue of limitations will apply to this collection my information should of never been given to this collection company
Product: Debt collection

I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX XXXX XXXXXXXX - {$9000.00} XXXX - {$6300.00}
Product: Credit card or prepaid card

On XX/XX/2022 I called Comenity bank and requested to pay my bill in full. I was told the amount and paid with a debit card over the phone. The payment was processed. The next month I received a bill and a late fee. The bill stated that I owed $ XXXX. I called the bank on XXXX, the representative told me that all the charges were removed, except, {$10.00} which I paid. The representative told me twice that the balance was paid and nothing would be owed. On XXXX I received a bill for {$110.00} and another {$41.00} late fee. The bill also shows the payment of {$10.00} made to them.
Product: Checking or savings account

I am writing to express my strong dissatisfaction with the recent changes made to my account ( Account Number : XXXX ) without my consent. I have been a long-standing customer with Citi, and I was shocked to find out that my account was upgraded to Citi XXXX  , a tier I neither requested nor need. 

This change has resulted in the imposition of a monthly fee of {$15.00}, which I find completely unacceptable. Regardless of whether I meet the account requirements to avoid this fee, I did not authorize this change, and I do not use any of the perks associated with Citi XXXX. I was perfectly satisfied with the way my account was structured previously.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX i sent in a personal information dispute letter to correct the name, address, social etc ... My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, requirements of this subchapter, and proper utilization of such information in accuracy, relevancy with the accordance The current personal information being furnished is inaccurate, not relevant outdated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information above
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX after their investigation on my account they found the error and sent a letter to the credit bureaus for them to remove the account because of the error. 

I dont see the account removed like they requested.
Product: Debt collection

I keep getting phone calls at least 3-5 times a day from the same company, different phone numbers requesting that I pay a debt to this legal document services company. They have legal actions taken against me. They are going to take me to court. They have two different account numbers for me one is for {$2000.00}. The other is for {$3000.00} saying I owe money to Chase credit card services or their affiliates. I have called Chase. They have no account for me nor have they ever had an account for me or their affiliates, I have reported this to the credit bureau to keep a watch on my credit reports I will be reporting to all of my banks I have called the police. They have told me to call the ftc.gov and report this problem. There are several phone numbers that they are calling me from One phone number is XXXX another number XXXX another number XXXX another number XXXX next XXXX. They have two different account numbers on me, requesting {$2000.00} and {$3000.00} I have told them I am not paying anything. This is a scam. They know all of my personal information. They know my name, birthdate address, phone number and Social Security number about a year ago. XXXX XXXX did have a data breach sent me a letter so Im assuming they got this information from them I dont know.