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

I trust this message reaches you in good health. I am sending to follow up on the dispute notification I previously sent to you on XX/XX/2024, concerning specific items on my credit reports. Thank you for addressing this promptly. It has now been 40 days since my initial dispute letter, and I have yet to receive any updates or communications about the resolution of this issue. While I understand that the investigation process requires time, I am eager to know the current status and any progress that has been made regarding the concerns I raised in my earlier correspondence. Listed below are the items that need to be removed or deleted from my credit reports : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XX/XX/2024
Product: Student loan

On XX/XX/XXXX, I submitted a payment request on my XXXX portal to allocate {$490.00} towards my students loans. My loans are currently being held by EdFinancial. I did not receive any confirmation from EdFinancial that they had received this request. On XX/XX/XXXX, I received a statement with my balance and my next payment due, which is {$190.00} in XXXX of XXXX. I thought this was strange since I had already tried to start paying my loans. The next day, XX/XX/XXXX, I submitted a email complaint on EdFinancial 's website describing the issue. They did not give me a copy of this complaint or ever respond to it. On XX/XX/XXXX I spoke to an EdFinancial representative on the phone. She explained to me their were " communication issues '' between EdFinancial and XXXX. She told me she put in a " ticket '' on my payment so that it would be looked at sooner. I have not heard any follow up from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been XXXX  days.
Product: Credit reporting or other personal consumer reports

i'am looking today to reassign a debt that was previously owned by a diffrent account holder to a new account holder! under consumer law section 623!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Corelogics for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Corelogics consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Corelogics actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA )

, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Corelogics actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the C
FPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure the account is accurate, without providing any evidence of a thorough investigation.
Product: Credit card or prepaid card

On XXXX XXXX, 2021 I applied for a credit card with Penfed, Penfed requested personal document Identification with photo and Social Security Card. 
On XX/XX/2021 after I sent all the information requested I contacted an agent of Penfed using the chat in the contact option for the bank. The agent in the chat informed that my application was conditional approved they just need to review the documents I sent and I should received the response in 24 hours. 
On XX/XX/2021 I Called Penfed Over the Phone due To not Getting the Response within The 24 Hours indicated The day before. 
On XX/XX/2021, I called Penfed again, and the agent that answered the call hung up on me after I was 45 minutes in the line waiting for him to get a supervisor ; my account was fully verified by the automatic system, and I also confirmed my history with him before asking for the supervisor, I am assuming the agent hang up on me in propose because he did not call back even that my contact information it's on my account with Penfed.

I called again to Penfed and spoke with a supervisor and explained to him how unprofessional and incapable its Penfeds customer service and how I feel About being Treated so rudely. 
A few minutes after the call, I received the denial email for the credit card. For unjustified reasons, on XX/XX/2021 the actual card I have with Penfed was approved with more inquiries, more balances, and the worst credit score.

Penfed denied the credit card that I was informed was conditionally approved for retaliation. Because of discrimination against me, I sent a valid ID and social security card that matched the information in the application that I was conditional approved.
Product: Mortgage

I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS
Product: Mortgage

Working with Mr Cooper we paid additional payments towards principal and they were applied as per request after multiple phone calls. The lowered principal allowed us to RECAST the mortgage and reduce our monthly payment to {$510.00} but the payments page still shows {$930.00} with an early payoff amount, even though Recast was approved an in effect for multiple years. We believe they have a obligation and a fiduciary responsibility to update the payments page and associated amortization schedule and it should accraturatly reflect the payments due after a Recast has taken place as new terms were sighed upon the Recast.

Multiple Requests have been sent to Mr.Cooper have been sent to various departments and have not had issue corrected. Is it just my case or is is a systemic problem for anyone who has had a Recast with Mr. Cooper Mortgages? People have a right to know how must principal and interest are applied each month, as well as, when their loan is expected to become mature with an accurate payoff date.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with XXXX. I do not know who Jefferson Capital is. I have never spoke to them or done any business with Jefferson Capital. I do not know how or why they have my personal information. Jefferson Capital is trying to deceptively coerce me into making settlement on a " debt '' I do not owe. I have been harassed with multiple letters and have XXXX for the past few months since receiving these notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company continues to violate customer laws 15b US 1666B.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following accounts be removed from my credit report : XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX  XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; any 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.
Product: Credit card or prepaid card

Yesterday, XX/XX/2022 I received the first notice from a card issued by the bank HSBC. This notice was an issue saying that there was a late payment pending. And that the payment required a {$35.00} minimum payment. This was the first notice issued by the bank including any receipts and debts to be repaid. However, the bank decided to take on legal action ahead of requesting payment. This resulted in a XXXX deduction on my XXXX XXXX. 

These funds have been since paid off in full and would have been if the bank had sent out a regular notice for payment. I'm a citizen of good standing and I have never had a derogatory mark on my credit file. I would have paid this as normal if the bank had sent me a notice or bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end. 
I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.
Product: Money transfer, virtual currency, or money service

Clicked on a link in XXXX that contained some type of malware that downloaded to my device and gave access remotely and multiple money transfer transactions were completed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

I applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit Experian is reporting {$950.00} credit limit XXXX is reporting XX/XX/XXXX as the date of last active Experian is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and experian is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want XXXX  and Experian to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.seqium ref XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.