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

Trans Union, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where trans Union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Trans Union inaction violates federal law and my rights as a consumer.
Product: Debt collection

Rent recovery solutions/ XXXX XXXX XXXX, XXXX XXXX XXXX , GA XXXX is still calling my phone harassing me about a debt collection I do not own. I asked this company for debt validation and to this day they have failed to validate the debt they claim I owe them. Its been over 3 months and still no debt validation letters. This company flagged XXXX to have this collection placed in my credit file. I have good credit and all on time payments in my credit file and this company is making my character look bad. I know my consumer rights and this company is in violation.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i havenumerous late payments on an account that i was never late for. 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 late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ] [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payment were late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received the loan back on XX/XX/2018 until now. I have been paying XXXX since XX/XX/2018. The loans was for {$800.00} I have roughly paid {$1700.00} on the loans. They are charging me a 392.827 % interest rate plus a 179.509 % daily rate and I was not aware of that. I spoked with them on XX/XX/2018 about my payment I couldnt make the payment. They still wanted the payment and the next payment. I called XX/XX/2018 and made aware Im charged a daily rate everyday then loan is open. The Loan principle is {$740.00} as of XX/XX/2018 from a {$800.00} balance form XX/XX/2018
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Equifax has been allowing XXXX XXXX  AND XXXX to provide erroneous false information that is ruining my credit score. I have submitted multiple identity theft report to Equifax. Equifax has not updated or investigated the inquiry I posed in any of the reports I have submitted to them. Lastly XXXX XXXX  AND XXXX has violated the FCRA by reporting incorrectly to my credit report. How is it possible to have all positive marks and the file be marked charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' has been deleted from my XXXX credit report but not from any of the other 2 major Bureaus. Please correct this and delete this account from my credit profile immediately. 

Account # : XXXX needs to be deleted immediately from EXPERIAN AND XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Date : XXXX XXXX To : Dispute Department Subject : Dispute of Re-Reported Medical Debt Hello, I am writing to formally dispute a {$25000.00} medical debt reappearing on my credit report under the account " J J Marshall Associates. '' This debt was previously removed from my credit report in XX/XX/XXXX following a successful complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under Case # XXXX. 


The CFPB confirmed that this debt was not my responsibility, and it was removed as a result. The debt originates from XXXX XXXX  provided by XXXX XXXX XXXX XXXX XXXX. These services were requested by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX due to injuries I sustained in an auto accident on XX/XX/XXXX. This treatment was recommended by XXXX XXXX  based on his professional assessment of my needs following the accident, and I trusted his expertise in ordering this necessary care. 

XXXX XXXX initially handled the claim under Claim # XXXX. However, they now assert that the procedures were unrelated to the accident. I acted in good faith, following XXXX XXXX prescribed treatment, and expected that the insurance would cover these costs based on his orders. The repeated reporting of this debt on my credit report is therefore erroneous and has caused undue harm to my credit standing.

Furthermore, J J Marshall Associates was informed of my legal representation by XXXX XXXX XXXX in XXXX Michigan, and should have directed any inquiries to my attorney. The debt 's reappearance on my credit report, despite clear indications of my lack of responsibility for these charges, raises concerns about adherence to proper reporting practices.

Please find attached the following documents to support my dispute : Recent Credit Report showing the re-reported debt.

CFPB Resolution Documentation ( Case # XXXX ) : Documentation confirming the previous resolution and removal of this debt. 

XXXX XXXX XXXX XXXX ( Claim # XXXX ) : Proof of XXXXXXXX XXXX initial handling of these charges. 
Referring Physician Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Legal Representation Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX ( XXXX ) Claim Number : # XXXX I respectfully request that you investigate this matter and remove this erroneous entry from my credit report. Please notify me of the outcome of your investigation at your earliest convenience.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : Creditor : XXXX  Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$890.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$590.00} Date Reported : XX/XX/XXXX Creditor : XXXX OF XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX  Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely,
Product: Mortgage

I am trying to get my loan modified and Shellpoint has been asking for documents from me continually but refuses to cancel my sale date of XX/XX/XXXX.
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The requests being made daily are an attempt to keep me from having a " complete package '' and therefore, can not cancel my sale date.
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Since XX/XX/XXXX I started again with another " updated packet '' with their " lists '' of request to which I have always promptly submitted back only to have this process dragged out with a sale date pending.
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My compliant is that I am calling in on a daily basis to get the sale date cancelled only to be confronted with more ridiculous requests along with the fact that they take so long that my documents need to be updated, which I should not be penalized as not having documents in if they drag it out too long, but they have.
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For example, I have given Shellpoint Profit and Loss Statements for months now, and 3 times since XX/XX/XXXX only to be told today that they want me to subtract the Income from the Expenses and put totals under " net '', which they have always asked me not to in the past. They asked me to " write the date '' next to my signature even though the date was clearly typed at the top of an explanation letter to begin with. They have added requests before even looking at the documents I have sent in, then stating I have an incomplete file but after speaking to a representative can locate the documents by date and resolve most " incomplete '' issues, ( but its up to me to figure it out not Shellpoint ). The new " made up requests '' are impossible to guess and keep fulfilling. They wanted me to add XX/XX/XXXX to the XXXX form and then stated I put XX/XX/XXXX when in fact the XXXX was the line between the XX/XX/XXXX! Anything to allow them not to cancel the sale date which has gotten me so upset that I am filing a complaint.
I do not trust them and feel that their complete incompetence is setting me up to lose my home on XX/XX/XXXX. If I can not get them to accept my documents as " complete '' soon they will then deny me stating that I did n't get my documents in within 37 days before the sale date so I am very concerned. What are the " required documents '' that I need to have in to them that would qualify as a complete package, as they have had literally months and months of documents given to them but are never satisfied.
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Here is my basic package of what I have given them, many times over. But their added requests continue, plus change daily, plus expire as they take too long to process as completed, which is out of my control. They are DUAL TRACKING as I am trying to comply with all of their requests but I can not seem to ever arrive at a complete packet!
RMA XXXX DODD FRANK FORMS Household Expenses Hardship Letter Profit and Loss Statements Bank Statements ( personal, business checking and savings ) with the last one always well within 90 days current, with rental income circled, itemized, signed, dated, etc Mortgage statements Leases Letters of Explanation from HOA Fees, to rental deposits over {$1000.00}, to business income loss etc Taxes XXXX  and XXXX My Social Security Award Letter for XXXX
Product: Checking or savings account

On XX/XX/2022 I received a call from my bank 's local branch BB & T stating they had been notified by the fraud department that there had been fraudulent activity in my personal account where a check was cashed by an individual in Texas. I immediately went to the branch and filled out an " Affidavit of Fraudulent Activity '' which was sent by the bank representative to their Fraud Department which later they stated they never got is so I went to a different branch and the Vice President emailed it again. I later confirmed with the Fraud Dept they had received the affidavit and an investigation was going to be conducted but due to the type of transaction it may take a while. I followed up for month until I was told that the case was closed and they had not found any fraud and no reimbursement was due back to me and never received any correspondence from them stating so. Numerous people had the same issue and they were blaming it to technical issues during the merger ob BB & T & SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/2023 Re XXXX 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 ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.2. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.3. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.4. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS 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 am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Charged off XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Charged off XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late/Open XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Closed XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Shellpoint mortgage is corrupt and deceptive. I have had nothing but horrible experiences for years. I called in on XX/XX/2020 to make an additional principal payment because they dont allow it on the website ( obviously a tactic to get people to pay more interest ) so I WAS on bi-weekly payments to try to pay less interest but that doesnt even work because all they do is HOLD your payment until the end of the month so you end up paying full interest anyway!! They have very deceptive practices!! So ... on XX/XX/XXXX, I could not make an extra principal payment online so I had to call in to get REMOVED from automatic payments. I was then able to make my {$10000.00} extra principal payment but now they put me back on auto pay/ bi weekly payments WITHOUT MY AUTHORIZATION. I send emails through the website and they NEVER NEVER NEVER answer their emails. I have always had to call to get any answers and every agent is absolutely clueless! I am left with no other alternative but to send a formal complaint to get this company to do anything.
Product: Checking or savings account

Had a account with chime bank online services, had open for a few months, had metal card for credit builder sent out because I used the account as my main account, and had no issues, till all of a sudden chime bank closed my account and reversed fund and payments that made me lose assets that would today value at XXXX, along with that, chimes choice to close my account without reason caused me issues with recieving much needed payments from irs ( tax return, and stimulus ) and state unemployment, and actually caused a fee of XXXX $ from colorado department of revenue due to the payment having bounced due to closed account. This whole ordeal has caused me to get behind on payments cost me around XXXX $ in fees, late payments, and just from being put on hold from funds that should have been available to me. Seeking lawsuit, and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax Permission to furnish this information on my consumer report on my behalf. I am demanding Equifax remove all following information in attached letter from my consumer report. 15 USC 1681 ( b ) Permissible Purpose - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax please provide a contract between you and I bearing my wet ink signature to furnish this information onto my consumer report. In absence of such contract remove all items in letter attached.
Product: Credit reporting or other personal consumer reports

I have tried over the pass XXXX years to get this company to report my credit limit correct on my credit report, but they have not over time I've sent many copies of my credit report show what needed to be corrected but Have Not, so i, m turning to CFPB for assitance before I Have get an Attorney, I use my Credit to purchase Properties at this time i'm about to lose a property and a XXXX deposit because of this issue on my Credit report