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

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

I mailed something similar to the below to Barclays. They denied removing the unfairly reported delinquency from credit bureaus. 
-- -- -- Barclays Disputes XXXX XXXX XXXX XXXX XXXX Delaware XXXX Acct # XXXX Payment Ref XXXX {$200.00} Subject : Formal Request for Removal of Negative Credit Report Entry Dear Barclays Disputes Department , I hope this message finds you well. I am writing to formally dispute the recent negative entry on my credit report associated with my account last 4 digits # XXXX. 

Due to an unexpected change in the issuer of my company card from XXXX to Barclays, I was unaware of the balance that had accrued. Unfortunately, I did not receive any email, text, or letter notifying me of the delinquency. I did, however, receive automated robo calls from Barclays ( I did not even know that my store card had now become part of Barclays from XXXX XXXX XXXXXXXX then XXXX ), but they appeared to be spam. These calls requested personal information, such as my social security number and zip code, without clearly identifying the caller or the purpose of the call, which led to my hesitance in engaging with them and blocking the number. As a result, I was unaware of any outstanding balance. Again, no email, text, or letter was every sent to me in regards to this outstanding balance. 

As soon as I saw the delinquency on my credit report, I immediately paid the full amount of {$200.00} ( Payment Reference : XXXX ). I believe the delinquency should have never reached this stage, as better communication on Barclays part could have alerted me to this matter sooner. 

I respectfully request that this negative entry be removed from my credit report across all bureaus, as I was not properly informed of the balance, and I have since resolved it promptly. 

Please let me know if any additional information is needed to expedite this request. 

Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.
Product: Credit reporting or other personal consumer reports

Im having issues getting my credit score and I called hoping I would get help but didnt. They werent even bothered that the problem didnt even get resolved
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 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. I also had no recollection of an account in Ohio. All transactions from this credit card were made in Ohio and I have not resided there in the past 10 years due to my military status.
Product: Mortgage

Each year my XXXX is issued from my mortgage company which shows the total balance owed for the year. Last year the balance was around {$4000.00}. I paid this amount during the months of 2022 until XXXX. In XXXX, I sent a notice from my attorney asking for a hardship forbearance until my XXXX claim was completed. My XXXX claim completed in XXXX XXXX XXXX. At this time, I phoned the mortgage company and was told that I had a total outstanding loan balance of {$980.00}. I made XXXX payments of {$450.00} and in XXXX I was sent statements that I am still due a monthly mortgage payment. When logging into my account ; it shows that I do not have any principal or interested balance ; but there is an accrual that equals above what I even owed at the beginning of 2022. There has been some accounting activities on my account that has not been explained to me. The mortgage company is now addressing all of my account concerns to my attorney instead of me ; and has not sent a release of lien nor my deed.
Product: Vehicle loan or lease

I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and XXXX years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?
Product: Credit card

On my Wells Fargo credit card I made a balance transfer of {$900.00} which carries no interest for 18 months. After that I made about another {$1000.00} of purchases, which are subjust to a regular purchase APR. I made some payments and got paid from a larger contract, so when I applied my payment in XXXX 2016 my balances were as follows : {$930.00} in purchases. {$780.00} in 0 interest promotional balance. 
I made 2 payments during my statement period, {$100.00} on XXXX/XXXX/16 and {$1200.00} on XXXX/XXXX/16. The last purchase I had in the period was on XX/XX/XXXX, so the purchase balance was established with no pending transactions. 
When I called Wells Fargo Customer Service to inquire about how my payment was applied I was informed directly that the computer " splits up the payments as it sees fit '' so that any money applied after the minimum payment due gets inexplicably divided between my balance subject to interest rates regardless of the CARD act. I contacted Wells Fargo 's customer service and was told nothing could be done, I was stuck with this incorrectly applied payment. Afterwards I contacted Wells Fargo 's customer care center and conveyed my concern that my payment was applied outside of compliance with the CARD Act, and was told that I was, in fact, correct and that they had made a mistake in how the payment was applied. My case has been escalated to be reviewed and to have my payment applied correctly. 
This is highly concerning to me, as Wells Fargo is probably making millions off of unsuspecting customers or those who do n't know any better. In reviewing my account further I found that every month Wells has applied my payments in this split manner, thus preserving an interest-bearing balance on my card despite receiving amounts that should have satisfied it -- therefore still charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard pull from transunion from XXXX XXXX XXXX on XX/XX/XXXX that I am not a part of
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Upon reviewing my credit file, I discovered these inquiries, which I did not authorize or provide consent for. As this is my first request for investigation, I expect you to handle this matter in strict adherence to the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I had gotten a payday loan, I lost my job and advice the lender place of this actions, and advice them that I did n't have any funds in my acct, but the payday loan place did n't care and still attempted to take money out like 2 to 3 times a week and the bank would return the amounts every time, but I would get a {$35.00} fee each time. I paid over {$600.00} in fee 's. I was so XXXX and needed a stop to this so I put a stop check on the payday loan place, and it did n't work cause it still continue to cause my account in negative. I called the bank and spoke to the banker and she suggested Of instead of crediting the transaction of the payday loan she would just credit me the stop check fee and close my acct and it left me with a credit of {$18.00} so she open a new account and transfer the {$18.00} to it, and she advice me that acct was closed out. Now the bank is taking money out of my new acct for a charge off on a account that was supposed to be close completely. I tried calling many times to fix the problem and they told me I have to pay. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to a previously filed complaint Equifax has not responded to the CFPB : I filed a complaint with the CFPB ON XX/XX/18 complaint # XXXX Equifax and XXXX are continuing to report incorrect information on my credit report. They are reporting : THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I received XXXX hard inquiries in regards to accounts being open with : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with XXXX XXXX, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXXXXXX XXXX in Texas. This is a case of stolen identity and fraud. 

Foursight Capital, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with Foursight Capital, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.
Product: Payday loan, title loan, or personal loan

I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX  XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Consumer Loan

I received a letter stating I had been overcharged one full payment for my auto loan. Santander USA has refused to issue my refund, stating I am not submitting proper identification. I have sent copies of my drivers license twice. They have promised I would receive calls from their financial department, and they have not contacted me.
Product: Credit reporting or other personal consumer reports

These companies fraudulently used my credit that I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have disputed the following accounts with all three Consumer Reporting Agencies, Transunion, XXXX, and XXXX I have provided supportive documentation about my claim and how the reporting is inaccurate, & or Fraudulent however, the severe inaccurate, fraudulent accounts continue to be reported on my credit report. I have requested that a reinvestigation be completed and evidence or transcript be provided of how all accounts that have been verified as accurate be provided and who specifically verified as accurate and their method for doing so. As of the date of this submission, no such documentation has been provided and the inaccurate, fraudulent accounts remain to report on my consumer report, which has damaged me, my score, and my ability to obtain housing for me and my family. 

The Accounts specifically are : XXXX XXXX XXXX XXXX XXXX Credit Card XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding Experian 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to Experian on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from Experian regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to Experian specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from Experian regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to Experian and any supporting documentation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on XXXX XXXX shows as 30 days past due and on Equifax as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on Equifax it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On Equifax in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Student loan

Nelnet is reporting incorrect payment history on my credit reports. My account was not late and has been in a deferment/ forbearance status. Upon being approved the agent said this would re-age the account and my payment history would not be impacted. 

However to my surprise Nelnet is reporting all my accounts with late payments. XXXX reporting 4 accounts with 3 late payments each. XXXX reporting 4 accounts with 5 late payments each. XXXX reporting 4 accounts with 5 late payments. However the account shows current in XXXX and 90 days past due in XXXX, 120 days past due in XXXX, XXXX, XXXX, XXXX and current in XXXX. This is clearly incorrect as you cant go from current to 90 days past due to 4 months at 120 days late. 

I have attached a picture from XXXX and XXXX showing the same account reported late at different times. the information must match or be removed as incorrect & false information. 

Account number : XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a  representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these 6 duplicated loans for over several months. I know the all loans are closed zero balance thats not the issue I only took out 6 loans period not 12 the loans the 6 loans for XXXX and 6 for XXXX making it 12 loans on all 3 credit bureaus when originally I only had 6 loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took 6 loans and that what should be on my report s not duplicate loans look at the amounts and the dates please