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

o Whom It May Concern, I am writing to dispute inaccuracies related to my XXXX  XXXX account ( Account Number : XXXX ) that appear on my credit report. Specifically, the following issues require investigation and correction : Inaccurate Late Payment Record : A late payment for XX/XX/year> is being reported inaccurately. I have no knowledge of this late payment, and I request validation of its accuracy. If it can not be validated, I request its immediate removal from my credit report. 

Misleading Remarks : The account contains remarks stating " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete. '' These comments are vague and may negatively impact my credit profile. I request clarification or removal of these comments if they are found to be inaccurate. 

Discrepancy in Account Balance Reporting : The accounts highest balance is reported as {$400.00}, which is above the credit limit of {$300.00}. This inconsistency suggests errors in the reporting and requires correction. 

Bureau-Specific Reporting Issue : I have noticed that Experian is the only bureau reporting this inaccurate late payment, while neither XXXX nor XXXX lists this error. This inconsistency raises further concerns about the accuracy of the information. 

I have already contacted XXXX XXXX to request a goodwill adjustment for the alleged late payment, given my overall positive payment history. Unfortunately, no resolution has been provided to date. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that your bureau investigate this matter and validate the accuracy of the information provided by XXXX  XXXX. If the disputed items can not be verified, I request their immediate removal or correction. 

Attached are copies of supporting documents, including account details and prior correspondence with XXXX XXXX, to assist with your investigation. Please provide me with written confirmation once the investigation is completed and any changes have been made to my credit report. 

Thank you for your prompt attention to this matter. 

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

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and still noticed that I had charge off on an account that I never made delinquent. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in debt for account ( XXXX ) ( XXXX ) Please investigate and provide proof with statements showing that these accounts was in delinquencies or never been paid. If proof can't be provided I demand these charged off be updated to on time as they should be as NEVER late. I need to remove this charge off account from my credit report this is my fourth time requesting these problems and made several disputes with Equifax and now them want to place this for 7 years more in my report, this situation don't let me move forward in my financial goals that by law they suppose fix as soon as possible, please take action in this matter thank you.
Product: Payday loan, title loan, or personal loan

All of last year my child tax credit I should have gotten {$800.00} a kid totally up to {$2400.00} a month I only received {$800.00} a month only one month I received XXXX the beginning I also didn't get my unemployment covid back pay although I was approved for the covid-19 unemployment and my last day of appointment was the regular date that they started giving an employment I don't know why I wasn't approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX that has been closed since 2017. I checked my credit reports and noticed that they are reporting that I am 30 days late on this account. I contacted the credit bureaus and they failed to fix the issue. I also reached out to XXXX XXXX and they too failed to fix it and sends me the same letter over and over again. This is stressing me out because the late is being re-reported each month and won't go away and the account has been closed for 6 years. I am consulting with a consumer rights attorney on this because the bureaus won't fix the issue.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.
Product: Student loan

I have had 6 private loans originally secured from XXXX XXXX totaling {$60000.00}. 4 were forgiven in 2022 and 2 remain a total of {$100.00}, XXXX. That's more than tripled in interest from two loans of {$16000.00}
Product: Credit card

Hello, I need help with my credit card in citi bank - account number is XXXX. I opened my account in XX/XX/year>. Citi bank requested form called XXXX to verify my social security number, they closed my account despite I sent them signed document. Then I was told several times that they received it and will reopen my account once they verify my information, as they told me it should have taken XXXX weeks generally to process it. I was waiting for several months and called in XXXX, representative told me that time that they still haven't sent it to process and only sent the form that time, but still I was told that it will be reopened. During that whole time my account was closed, despite they received my form, I had annual fee and was doing my payments on time, but XXXX time when I did payment I forgot to deposit funds in my checking and payment was returned, but eventually I made payment for that returned payment. Eventually when I called they told me that form was processed and information is verified, it was XXXX, so they delayed the process despite having document for many months. But they didn't reopen my account stating that it's 90 days passed and there is a returned payment. But it's not my fault that they closed account initially, they could just put on hold, but they closed it. Then they delayed the processing time of the document, despite having it delivered to them. And also I don't understand why XXXX {$40.00} dollar returned payment is a valid reason to not reopen my account, despite I did all payments previously on a closed account!!! Please help me with this issue. I am totally frustrated due to the way they behave towards this issue, I've never had such interaction or heard that someone had something like that. I feel they did this intentionally to not reopen my account, because how delayed everything. I feel I am discriminated due to how they tricked me to think they will reopen my account and did everything to delay it.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX Account Number : XXXX No late payment XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX No late payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

[ 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 Subject : Dispute of Charge-Off Reporting Dear [ " To Whom It May Concern '' ], I am writing to formally dispute the charge-off status of my account, [ XXXX ] as it appears on my credit report. I believe that this account should not be reporting an amount due. As per my records, the account was charged off on [ XX/XX/XXXX ], and I have made reasonable efforts to settle or negotiate this debt prior to this designation. According to the Fair Credit Reporting Act, a charge-off indicates that the creditor has given up on collecting the debt, which may mean that the reported balance should not reflect an amount due from me. I kindly request that you review my account and update your records accordingly to reflect that there is no amount due. Additionally, I would appreciate a confirmation of your findings and any adjustments made to my credit report. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant log in to the Transunion site to unfreeze my credit file. The site hasnt worked in over a month. It tells me that my login credentials are incorrect. Then when I try to retrieve my correct info, the same page just reloads and you cant go any further. The customer service phone number just puts you on hold with music and then you get disconnected. There are plenty of complaints on XXXX and other sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Student loan

XX/XX/XXXX I refinanced my loans with XXXX, a private company that refinances student loans. The total amount refinanced was around {$17000.00}. I made monthly payments over the past 2 years with interest to pay off this loan during the pandemic. 

XX/XX/XXXX After learning Biden-Harris Student Loan Forgiveness plan XXXX I immediately thought that it didn't affect me and I was already out of luck because I had refinanced my loan. That was until seeing this post on XXXX : XXXX  : XXXX. The original poster mentions that although the loan was refinanced, all that really happens when a loan is refinanced is a private company makes a payment on your behalf, the Federal loan still belongs to the student, and under the CARES Act, should be able to be refunded. The original poster also contacted XXXX and they have said that because their payment has details about who it is for, they can forward any refund request to the original lendee. 

After reading this I decided to call my Federal loan servicer, Great Lakes, and request a refund like many others were doing. There was no argument, they submitted the request and I thought everything was good. 

XX/XX/XXXX I call Great Lakes again to check the status of my refund. Unfortunately, the news that I receive is that the request had been denied about a week earlier, I think on the ninth. The reason for this I was given was " because the payment was made by a third party ''. 

I don't know why this would matter under the CARES Act, as the loan still belongs to me, not XXXX. Furthermore, some people are getting refunds sent to XXXX : https : XXXX. Why are some people being treated differently? 

Also, the process I am trying to take is what is being promoted by the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Checking or savings account

Initially I called into wells Fargo to request a refund on a fee that I was told was not optional. I let the representative know that I had requested this feature to be turned off many years ago but was told that " transactions would still go through and the fee would still need to be payed '' I was then told by the representative that I didn't need to pay those fees, I could just request this feature to be turned off. I have had this account for over 10 years and have been charged overdraft fees since I opened this account. I have been lied to since day 1. I have lost time and missed out on family events, couldn't pay rent at times and struggled a lot. This is the worst betrayal of consumer trust, if I can't trust my financial institution, should I go back to under the mattress?
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple Goldman Sachs Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN and XXXX are reporting XXXX BANK incorrectly.
Product: Checking or savings account

I am writing to formally report an incident of identity theft that I recently discovered when I tried to open an account with XXXX. I was referred to XXXX XXXX XXXX and a contact number was provided I called and requested for a consumer report from which I noticed a lot of opened accounts in my names without my consent or authorization. 

XXXX of Unauthorized Activity, I noticed [ specific details of suspicious activity, unauthorized transactions, or unfamiliar accounts ] in connection with my personal information. this accounts included TD bank, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. information about all this banks can be found on my credit report.
Product: Checking or savings account

Mail from all access meta bank came in saying that I have opened an checking account and it also came with a debit card. 

I have never opened a bank account by this name
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. there were not obtained with my consent. 

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

This item has been disputed time and time again and it is being reported inaccurately, please remove this item from my credit report. Under the FAIR Credit Reporting Act this item has to be removed. I have attached two different credit report from Equifax showing the information being deleted and every time i pull my report from a credit monitoring platform ( XXXX  XXXX  ) it still pops up and its holding my scores back.
Product: Vehicle loan or lease

I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.
Product: Mortgage

On or about XXXX XXXX, 2015 I made my monthly payment of {$2000.00} to my mortgage servicer Seterus XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Ph. # XXXX. On a separate check for {$11000.00} I attempted to make a principal prepayment, clearly writing PRINCIPAL PAYMENT on the check. On XXXX XXXX, Seterus applied this as XXXX regular payments with only {$6900.00} going to principal. I have called and spoken with Seterus on XXXX, XXXX and XXXX or XXXX other times and received promises to correct this but the situation remains unresolved at XXXX. This is malfeasance and possibly predatory lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the credit reporting agency, Experian, furnished information in regards to an account with XXXX XXXX XXXX without my written consent in violation of Title 15 U.S.C. 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report in accordance with written instruction from the consumer which who it relates. Experian assumed the vital role in assembling and evaluating consumer credit according to Congress 's findings pursuant to 15 U.S.C. 1681 ( A ) ( 3 ). Experian did not exercise their grave responsibilities with fairness, impartiality, and respect for my privacy in violation of Title 15 section 1681 ( A ) ( 4 ). I am demanding that they remove this unapproved report off of my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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
Product: Debt collection

XXXX not liable with this XXXX with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX and XXXX XXXX, They did not provide me with the original contract as i requested.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I received form 1099-C from XXXX indicating that my credit card debt has been forgiven or cancelled.

However, all 3 credit bureaus are showing owed balance and looks like XXXX did not report it
Product: Credit reporting, credit repair services, or other personal consumer reports

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Product: Debt collection

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Attention : XXXX XXXX, Consumer Resolution Department Dear XXXX XXXX, I am writing in response to communications from XXXX XXXX XXXX XXXX regarding a debt allegedly associated with my name, originally referred by XXXX XXXX, with a claimed amount of {$6500.00}. Not only have my previous requests for debt validation and cessation of communications been inadequately addressed, but there has also been a notable misidentification in your correspondence, including an incorrect gender reference. Such inaccuracies further complicate this matter and cast doubt on the legitimacy of the debt attributed to me. 

I specifically request XXXX XXXX, XXXX to clarify your interpretation of " cease communication '' as it applies to direct communication with me and the reporting of this account to consumer reporting agencies. According to consumer law, my demand to cease communication is inclusive of all reporting activities to these agencies until the debt is properly validated. 

Additionally, it has been observed that your records might erroneously associate multiple individuals named XXXX XXXX with this account. The provided documentation has failed to conclusively establish the debt as mine, and references to the account holder using incorrect gender pronouns suggest a significant discrepancy in your records. This error not only questions the accuracy of your data but also underscores the critical need for a thorough review and correction of the information you maintain. 

In light of these concerns, I insist on the immediate cessation of reporting this unverified debt to consumer reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported by furnishers like XXXX XXXX, XXXX. 

Furthermore, to evaluate the validity of your collection efforts, I request a copy of the agreement or contract between XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX, which grants your agency the authority to collect this alleged debt. 

This letter serves as a formal dispute of the debt and a demand for its validation, pursuant to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect a comprehensive investigation into these matters and the provision of the requested documentation without delay. 

Failure to address these issues adequately will compel me to consider further actions, including filing complaints with regulatory authorities and seeking legal advice. 

Please ensure that all future communications regarding this matter are conducted in writing, to facilitate accurate record-keeping. 

Sincerely, XXXX XXXX
Product: Mortgage

On this year XXXX and last year XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX partnered with Covey Financial to service their mortgage loans as a third party vendor. ThIS TOOK place after new management came after XXXX and I signed a deed in XXXX and never signed anything or authorized anything with XXXX since XXXX after amending and changing the policy at XXXX was just thrown into to partnerships with third party vendors without proper notice as homeowners ethically or legally giving us the right to make decisions bout our rights as partnerships and homeownership. Im asking for help. My home was damaged during a hurricane and Im being forced to sign over claim checks for my property I never authorized that my mortgage company partners with.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 



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: Money transfer, virtual currency, or money service

Ive asked for the money that was taken about {$200.00} and one transaction that was {$79.00} and they refused to give it back and the {$79.00} was about like a month and the XXXX was about like a year or so back and I have yet to never receive the money that was taken from XXXX XXXXXXXX
Product: Debt collection

I have tried reach out XXXX have stated my situation with bank XXXX I received documents of a law firm to sue me