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

I am writing to you today to once again dispute some account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this account was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX  XXXX
Product: Debt collection

The debt was paid to the original creditor ( XXXX XXXX, AS CONFIRMED by XXXX ) and the debt collection agency reported the closed account to my credit bureaus.
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have all the loans and the interest rates when i took them out during school Mohela did not allow me to see the new interest rates during covid and now that we are back in repayment, they changed the interest rates by a significant amount. 

I tried contacting and talking to someone but they " don't have that information '' My loans are now in repayment and now one seems to understand what to do
Product: Mortgage

It started in XX/XX/XXXX when we were having problems making our house payment with New American Funding. Both my husband and I had lost our jobs and were living off Unemployment and XXXX. I contacted New American Funding right away and explained our situation. They recommended a Special Forbearance Agreement, the terms of this agreement are attached. Our payment went from {$1400.00} to {$2100.00}. They told me that it would not affect our credit if we followed the agreement which we did. It has ruined our credit and reflects the original amount owed and does not reflect any payments made. What we really wanted was a loan modification but they said we did not qualify. In XX/XX/XXXX, I was let go of my teaching job therefore it was difficult to make our payments. I contacted New American Funding to explain our situation and they recommended applying for a loan modification. We submitted all the paperwork and it took XXXX months for them to deny us any loan modification. They have lied to us and do not seem to be helping us even though there are many loan modifications that we would qualify for.
Product: Debt collection

I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against both Experian and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my Experian credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by Experian : The first issue being Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting XXXX XXXXXXXX XXXX webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves XXXX XXXX XXXX. Despite this, Experian continues to list XXXX XXXX as the creditor, rather than XXXX XXXX XXXX, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount XXXX XXXX XXXX is attempting to collect, even after Experian updated my credit report to reflect a CLOSED balance of XXXX, XXXX XXXX XXXX shows a balance of XXXX. Adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with Experian on XX/XX/2024. However, my dispute was closed XXXX hours later with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. Experian failed to conduct a thorough investigation into my claims. Due to this lack of diligence from Experian and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both Experian and XXXX XXXX XXXX, Experian for not conducting a proper investigation and violating my rights, and XXXX XXXX XXXX for the harm caused by their shear disregard and manipulation of the law. Both agencies allowing this violation has caused me mental and physical anguish due to their failure to properly investigate this matter. I will also include due to the severity of violations If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Mortgage

Vanderbilt stated there was nothing they could do my income was too low, also I did not qualify for their programs being offered I could receive {$500.00} and surrender home. thats not an option for me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX  Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : TransUnion, XXXX, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The above company placed a balance of {$890.00} on my credit report on XX/XX/2020. I have not done any business with this company nor have I received any paperwork or documentation verifying this supposed debt they say I owe. They unfairly without prior notice placed this amount on my credit report causing it to drop 108 points. They did not send me a right to dispute notice. I have received nothing from them at all! I want them to remove the entry from my credit reports.
Product: Debt collection

I received no phone calls nor any letters with proof of myself being the owner of the original card, all I received was a legal notice stating I was being sued for an amount of {$1000.00} on XX/XX/2019. 
I responded immediately via email to LVNV Funding ( resurgent ) asking for proof and have not received anything. I then mailed a letter to the lawfirm suing me again asking for proof on XX/XX/2019. Still nothing, however a pending lawsuit over my head being that I am a federal law enforcement officer is something I do not need since I have never had a credit card with a limit of {$1000.00} for over 20 years and especially not with this original creditor. 
I do know this company is being sued in a class action suit for fraud so I want these criminals stopped.
Product: Money transfer, virtual currency, or money service

I have been using Paypal 's service for many years since I have been selling on XXXX. They have an unfair monopoly for which I do not have a choice of alternative to use. They have taken many many fees from me including fees for buyer returns which is unfair! 

OnXX/XX/XXXX a person used their service to pay me {$100.00} twice for a total of {$210.00}. It went through fine. Then I log in almost 60 days later on XX/XX/XXXX and I see it is taken back by someone? I didn't even know it was possible to take it back. There are no buttons showing for me to take back my payments. I thought once someone pays you it is final. It should be. I tried to ask them what is going on and I can't use my account because it is negative. Furthermore my ongoing XXXX sales are linked to this account and it is causing me headaches and suffering and time over this! 

I called on XX/XX/XXXX and spent 15 minutes holding and going through their hoops of recordings and then they hung up on me. I went to their website help and they say they only have offshore chat! Why is this allowed when they are a US company and in financial industry is an essential business? They are making many profits and they are completely negligent in servicing their customers which is a violation of their terms! I demanded they have a supervisor call me on the phone so I could get resolution for this situation. The said there is none. I don't even know what is at issue to be able to provide my evidence which I have in emails. I can't wait months and months. Paypal service is an outrage! 

My email account is XXXX Case ID : XXXX Case ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with Chase. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with XXXX  and called Chase to find out why  there was a negative report on my account. I got a run around from, purchasing some items while in Carlifonia in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in Carlifonia or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but Chase declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against Chase for the wrongful negative report as there was a charge after I paid up my account. I do not owe Chase Credit any amount and wish the negative report lifted from my account as it is erroneous.
Product: Debt collection

Unsatisfactory results from investigation categorically! 

XXXX Dispute # XXXX
Product: Credit card or prepaid card

I have had a credit card with Discover for several years and for the most part have made the monthly payments with the same savings account until sometime in XXXX or XXXX of 2017, I called in the payment received my confirmation #, the following month I again called in a payment only to be told that I missed the last payment, so again I gave them permission to submit the payment to my acct and received a confirmation number only to find out the next month that again the payment was declined by my bank due to Discover not submitted the information accurately, turns out that one of their employees made an inputting error which was just allowed to continue with no attempt on their end to find out why 1 month the payment goes thru and the next it is declined given that both attempts were made using the same saving acct and routing number. This is unacceptable and I have done everything they asked me to do including calling Discover to have Discover make a 3 way call with me bank to verify the account number routing number are accurate as well as there are sufficient funds available to process the payment and somehow they still found a way to make the same mistake again, the level of incompetence on their part is not acceptable and this matter needs to be handles asap. I have asked that any and all correspondence by made via e-mail for my protecting given that everything they have told me has turned out to be 1/2 truth or an outright lie, they declined my request, so as far as i am concerned I have done everything they asked me to do and in return they have done nothing they said they would do, This is by far and away the worse company I have every come in contact with, i blows my mind to thing that such a large company has such poor training and customer service. I have another credit card with another company and they seem to be able to process the payments just fine. they need to take responsibility for their mistakes and do want ever is needed to make things right.
Product: Credit reporting or other personal consumer reports

I continue to see a line of credit account that was sent to collections in my consumer report. The account was for a line of credit through XXXX XXXXXXXX  which was then sent to collections XXXX XXXX XXXX XXXX and transferred to XXXX XXXX XXXX. I worked with XXXX XXXX XXXX to resolve and pay off the outstanding balance in full. This was completed on XX/XX/year> and the full amount was {$1300.00} In addition, I am seeing numerous credit applications displayed in the inquiries seen by others section of my consumer report that I never applied for.
Product: Credit card or prepaid card

I, the consumer and natural person, received a credit limit decrease by SYNCHRONY BANK for my XXXX credit card ( Account Number Ending in : XXXX ). 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code .-1691c and is pursuant to civil liability under 15 U.S. Code .-1692. 

I have proof that I was discriminated against by SYNCHRONY BANK due to the response I received. SYNCHRONY BANK is in violation of 15 U.S. Code.- 1642, 15 U.S.Code .-1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was decreased. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for  each FDCPA violation.
Product: Prepaid card

I have a ADP TotalPay card for my paycheck that is direct deposited every week. I used my card on XXXX/XXXX/2016 to pay {$20.00} to XXXX on my credit card bill and I had a larger balance showing that the payment was received. The payment posted within 48 hours but I tried to use my credit card on XXXX/XXXX/2016 and it was declined. I came home and pulled up transactions and it shows that the payment was returned. I called XXXX and they told me that the payment was not sent from my financial institution. I puledl up the transaction history on ADP and there is no record of this transaction at all, not even showing it was declined, let alone going through. I checked the payment history on XXXX and the payment posted on XXXX/XXXX/2016 from XXXX XXXX Bank with confirmation number of # XXXX but ADP is saying there is no transaction for this date. I was on the phone for about 3 hours trying to get it resolved and all they told me was they have to investigate it and it will take 1-5 business days to find my {$20.00}. I am extremely irate at this point ... it did n't take them 1-5 business days to not send my payment. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to them and disputed with credit beareu several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$13000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXX {$1000.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$550.00} I filed a claim with Wells Fargo, they investigated and stated that because I authorized the transactions, they would do nothing. I did not authorize the transactions to that recipient. The individual receiving was fraudulently using an account. 

Wells Fargo claim Number : XXXX
Product: Credit reporting or other personal consumer reports

Equifax credit report pulled on XXXX XXXX XXXX XXXX : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
See three photos attached as proof All of this is extremely confusing, incorrect and doing me great harm.
Product: Mortgage

we were advised our mortgage lender put us under forbearance due to hurricane disaster relief in Florida in XX/XX/XXXX for 2 months, and put payments on the end of loan. when it was time to pay, they extended again stating we can have more time since we were getting roof repaired and not to pay until XX/XX/XXXX XXXX in XX/XX/XXXXthey asked for paystubs since they were under impression myself or spouse job changed. we both have been employed in same job over 5 years. we did send stub what they asked for XX/XX/XXXX and current XX/XX/XXXX. we received a call XX/XX/XXXX, & XX/XX/XXXX collection call stating all of the funds were now due. Asked why, they stated forbearance was closed or denied due to lower income now than it was in XX/XX/XXXX. I stated that was impossible and why was this not questioned or asked prior to them closing it. They said we can apply for a loan modification and if cant afford it will sell the home in short sale. I advised we just purchased the home, and had no intentions of selling. we paid 2 months worth of the 6 months arrears over the phone, but are still in default because of their instructions or lack there of.