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

The balance is incorrect at {$11000.00}. The last date active is incorrect. I have disputed this inaccurate information four times with all credit bureaus with no resolution, nor did they send results via US mail. XXXX and XXXX have complied and removed this inaccurate account from my reports. I attached proof to this complaint. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate.
Product: Credit reporting 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 the 15 USC 1681. Account information is as following- 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  has violated my rights. I looked at myTransunioncredit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Convergent Outsourcing Inc has reported I owe {$2100.00} on XXXX of 2022 from a XXXX account which has been reported as fraud and closed. I have written proof it was a fraudulent account. The day after reporting this, Convergent raised the amount by XXXX dollar, which was another hit to my credit. Previously the collections was XXXX XXXX, I believe for the same amount of {$2100.00} which was reported here a couple of years ago and closed. I have never done business with XXXX and I feel Convergent Outsourcing has my information and is using it for nefarious means. Raising the amount by XXXX dollar after being reported to XXXX, even stating that my documentation was verified as true and accurate. I have attached said paperwork and a picture of my correspondence with XXXX stating the account has been closed and to cease all collections.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as XXXX XXXX XXXX XXXX XXXX XXXX and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.
Product: Checking or savings account

I currently hold a Citi credit card account XXXX **** **** XXXX under my name, XXXX XXXX XXXX. And that specific account doesn't worry me. 
I have inquired several times about my account ( s ) with zero replies from Citi or Citibank. This is my XXXX request. 

I have reason to believe my digital identity might be compromised and I need an investigation of all Citi or Citibank account ( s ) matching my credentials in order to exhaust this part of the investigation. 

I need to know if any other accounts are open under my credentials? Please assign XXXX of your representatives to investigate this going back at least XXXX to XXXX years so that I might rule out the possibility another account was opened with an unauthorized use of my data. I need this search performed whether a checking, money market, savings or any other type of financial account.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no information on this matter, and the company proceeded without my authorization.
Product: Credit reporting or other personal consumer reports

Hi Im having some issues with my credit report and a collection account appearing on my Equifax credit report The name of the collection is XXXX XXXX XXXX account number XXXX balance {$3200.00} I send in some documents and then I received a decline block of the account letter from Equifax and I send them another document and I spoke to this young lady and she told they will reject this document because the dispute is still ongoing and it waste of my money I dont work Im on XXXX and these people dont care at all
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Bank : XXXX XXXX XXXX XXXX ( Open XX/XX/XXXX Account # : XXXX Account # : XXXX Routing # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Incident Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was approved for a short sale and my lender approved it. I was just told that my home will be foreclosed on after I was already approved and now it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XX/XX/2022 ; If TransUnion XXXX there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion does not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I called into three credit cards on XX/XX/XXXX and asked what they were doing for the Covid 19 crisis. They proceeded to tell me that the account would not be delinquent for 3 months starting in XX/XX/2020. I received a creditor phone call saying I was 30 days late or more but not 60 days. As soon as I found this out, I paid the balance and then paid the entire card balance off. The representative mislead me with their information or put in the wrong program dealing with Covid 19.
Product: Credit card

On XX/XX/year>, I noticed an unauthorized charge of {$200.00} on my account from XXXX XXXX. I did not make this purchase. I immediately contacted my bank to report the charge, as it was still pending at that time. Unfortunately, the bank was unable to stop the transaction. The charge was posted on XX/XX/year>. 

I also reached out to XXXX XXXX directly to dispute the charge, and they claimed to have no record of the purchase. Despite providing this information to my financial institution, they have insisted that the charge is valid. 

As a result, my financial institution has reported the charge to the credit bureaus, which could potentially affect my credit score. I have taken all necessary steps to resolve this issue by contacting both the bank and the merchant, but the matter remains unresolved. It has been over 102 days and still no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXXXXXX FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Product: Student loan

I have contacted Fedloan Servicing repeatedly about my students loans as they are miscalculating my PSLF payments. I have spent hours on the phone and emailing, but I get contradictory information and they still refuse to answer basic questions or track my payments accurately. I worked for a qualifying employer from XXXX. I made payments on my loans during this time. I submitted an Employment Certification Form ( EFC ) twice to Fedloan Servicing. They lost the first form, and I had to speak to a manager to get them to look at the second form. At first, they claimed I consolidated in XXXX, so payments in XXXX wouldn't qualify. Now they claim I was not on an eligible repayment plan, but they can not tell me what plan I was on, and I was on a qualifying plan ( either income-based or standard ). I went to graduate school, graduated, and then worked for a qualifying employer from XXXXpresent. I want my prior payments counted by a high level supervisor like before. I want them to check to see what repayment plan I was on from XXXX. They were not my loan servicer then, which is probably why they are doing such a terrible job tracking payments and repayment information from that time, but that does not excuse robbing me of credit for four and a half years of payments.
Product: Credit card or prepaid card

XXXX credit insists on not offering an option to autoay how the customer would like, be it minimum balance or other amount? No such feature exists to its customers? In this day and age this feature should be commonplace. Instead XXXX would rather trap the customers into perhaps missing a payment on their due date when all along a simple auto pay feature would mitigate this issue. Other credit card companies can navigate this, why not XXXX? XXXX only offers setting scheduled payments out one month. This requires the customer to log into their account monthly and set up a new payment. That solution is ridiculous. If I can auto pay my mortgage and numerous other credit cards, utilities and any other loans with an auto pay feature there is no good reason that XXXX should exclude this option to their customers. This lack of flexible payment option ( s ) ( ie auto pay ) only benefits them by preying on customers so late charges may be charged when the customer misses a payment.
Product: Credit reporting or other personal consumer reports

Subject : Data Breach Exposure of Personal Credit Information To Whom It May Concern, I am writing to file a formal complaint regarding a data breach that has resulted in the exposure of my personal credit information. The breach occurred on [ Insert date of breach, if known ], and I have reason to believe that my credit data, including sensitive financial information such as my credit score, account numbers, and other identifying details, was accessed without my consent.

I was notified about the breach by [ Insert the name of the company or entity responsible for the breach, if known ] on [ XXXX 2013 ], and I am deeply concerned about the potential risks to my financial security and privacy. As a result, I have taken several steps to mitigate potential harm, including, such as freezing your credit, notifying the credit bureaus, monitoring your credit reports, etc.

However, I am requesting that the CFPB look into this breach and investigate the responsible party to ensure accountability and prevent further exposure of my sensitive information. I am also requesting guidance on any further actions I should take to protect my credit and financial security.

If additional documentation or information is required to process this complaint, please let me know how I can assist. Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am seeking information on how to apply for cancellation of my private student loan on the basis of fraud and misrepresentation by my school. I am entitled to a process for private student loan relief because of my schools misconduct. 

My school, XXXX XXXX XXXX, was owned and operated by XXXX, which has been proven of fraud and deceptive recruiting tactics in several class-action and individual court cases. As a result of this fraud and deception, in XX/XX/XXXX, The Department of Education finally announced automatic cancellations for former XXXX students. 

Other private student loan providers, such as XXXX, have offered services for a XXXX XXXX XXXX XXXX. I am seeking information on a similar process with XXXX / MOHELA for my private student loan. 

My request was sent to XXXX / MOHELA on XXXX XX/XX/XXXX. I am sending a request here in addition to my contact to the lender.
Product: Mortgage

Beginning with our mortgage statement for the month of XX/XX/XXXX, we have had to request the copies because we did not receive in the mail. 
We did not receive statement until after we made requests for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the XX/XX/XXXX. 
Emails and phone calls have not resolved the issue and the servicer will not say if other clients are experiencing similar issues. They have not acknowledged a problem. They have not granted access to a portal online where the copies can be obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

The company reported accounts and continued to report accounts that were paid off. I filed for a dispute, and they said no action was taken at this time. These items continue to report negatively on my report every month.
Product: Credit reporting or other personal consumer reports

I disputed these accounts a few times and it keep coming back verified but How did Transunion and XXXX verify this as accurate? I NEED DOCUMENTATION OF EVERY ACCOUNT ATTACHED!!!!!! How was this investigated when accounts on my report havent been updated since XXXX its XXXX which is a violations under the FDCPA Section 807 ( 8 ) Please send me any and all documentation that u have that show that Transunion and XXXX actually did they job I need to be provided with documentation that includes the Original Purchase Agreement, Terms & Conditions, Proof of ownership of the debt from Original Creditor. Name of original creditor? Account number, Amount owed, Proof of payment history Send me these documents within 15 days and if u can not send me documents in 15 days delete this from my account Immediately. I would have to seek litigation because this is violation and took a toll on my everyday life been denied for apartment, loan, credit card..etc
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following companies. XXXX XXXX, and XXXX XXXX on my credit report along with multiple inquires which are included in my identity theft report. I have never established business with these companies, nor gave permission to these companies to run my credit report.
Product: Credit card

I have been dealing with this dispute for nearly a year. I would appreciate your assistance, XXXX XXXX with XXXX XXXX XXXX was started on XX/XX/23 cancelled the following day on XX/XX/23, as per attachment. 

*Returned XXXX Cell phones- XXXX XXXX XXXX XXXX XXXX-Deep Purple ( Order XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Order XXXX ) Return confirmed by XXXX XXXX XXXX  via email XX/XX/23, as per attachment. 

*Account was credited {$60.00} and {$72.00} on XX/XX/23. These are the taxes that I was charged as per attached email. 

*Restocking fee charged on XX/XX/23, per attachment. 

XXXX XXXX XXXX posted {$970.00} and {$680.00} totaling {$1600.00} on XX/XX/23. 

*The plan was cancelled, and phones were returned within allowed time as per XXXX XXXX XXXX  contract, but they are not crediting my account.
Product: Credit reporting or other personal consumer reports

I WENT THROUGH MY CREDIT REPORT AND REALISED THERES A BUNCH OF HARD INQUIRIES ON EM, TO MENTION A FEW COMPANIES REPORTING THIS ENQUIRES, ON EQUIFAX AND XXXX. HERE IS A LIST AND DATE ON XXXX IVE GOT 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 WHILE ON EQUIFAX IVE GOT 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 card or prepaid card

I had eight store credit card accounts ( Amazon, TJ Maxx, XXXX, Paypal Credit, Lowe 's, JC Penny, XXXX, and QVC ) with Synchrony Bank, which has a monopoly on store cards. The company closed my accounts suddenly at the beginning of XXXX, without notice, and did this to several hundreds of consumers since the onset of the COVID-19 pandemic ( per a XXXX search on the issue ). I, along with several other consumers, had rewards points attached to these cards. Prior to closing the accounts, my credit score was almost XXXX and I had very few credit card debts. My credit utilization was around 10 % and I have 0 delinquencies or collections. When the company cancelled these eight accounts, I had to act quickly to reduce my debt to keep my credit utilization above average in the hopes of retaining my stellar credit score. In addition, the company wrongfully used the closures to thieve all of my rewards points, which amounted to a modest {$170.00} XXXX {$110.00} with Amazon, {$30.00} with TJ Maxx, and {$30.00} with eBay ). Further, the company used their monopoly to causes damages to me in the form of reducing my credit score before I could use my savings to keep my debt-to-income ratio above average. In letters I received on XX/XX/2020, the company simply stated that activity on my accounts was " indicative of high risk of failure to pay, '' which is categorically unfounded per a review of my credit usage with their company and all other companies with which I have ever had financial instruments. I have had 0 late payments with any of my creditors including Synchrony, have never filed bankruptcy, and, in fact, pay off my balances every month for every Synchrony card that was wrongfully closed.
Product: Credit card or prepaid card

I checked my credit report and I seen a card on there that I was the authorized user that I have no knowledge of. I contacted the credit card company plus XXXX to dispute it.