23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX.

Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX COLLECTIONS XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been submitting disputes to Experian with no success. I have reported this issue with CFPB but they still wont respond. I have a new collection account on my report that isnt mines. I filed a disputed today XX/XX/15 this morning and its has resulted as updated this afternoon XX/XX/15. They are not properly investigating these accounts.
Product: Mortgage

XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.
Product: Mortgage

We applied for the CARES Act mortgage forbearance program from Specialized Loan Servicing SLS who manage our mortgage that is held by XXXX XXXX Specialized Loan Servicing SLS only allowed 90 day increments after a 2 week 'decision and approval process ' with no clear extension process. Specialized Loan Servicing SLS then scared us regularly with letters stating that we were delinquent and needed to make arrangements to forestall disaster. When we called we were told they just send out those letters automatically and the letters don't apply to people on the forbearance program. 
Extensions have been understandably somewhat awkward then recently there was what I assume was a miscommunication. We probably missed a letter prompting us to discuss whether we wished to continue in the forbearance or pursue options after, and even though the previous extension involved letters and phone calls, some by me, only to be told they weren't ready to discuss extensions, some by them. 
This time they appear to have decided not to call us and just assume we would exit and sent us a payment deferral option. That would have been an understandable method of proceeding if, when we called to tell them that we were not yet ready to exit the forbearance program, they had said " okay we will talk deferral options when you are ready ''. 
Instead they have pressured and intimidated us as they repeatedly denied our extension of their shortened 90 day forbearance cycle. We have used 8 months of the 12 or now 15 available. They have decided that they have their own rules for the CARES program which as defined had very few and explicit rules if a the borrower of a mortgage held by XXXX XXXX attests to covid related financial hardship, wishes to use the forbearance option, and have not yet used the originally 12 now 15 months of forbearance the loan servicer sets it up in increments of up to 180 days, but under whatever those counter-to-the-law rules Specialized Loan Servicing SLS is using, we have been denied access the forbearance program and they have sent us an array of disturbing and confusing letters, ending with a massive application for options to avoid foreclosure. 
It seems beyond belief to think that they would do this to just us. 
Are we wrong to think the forbearance program wasn't supposed to be this traumatic? 
The uncertainty of when to discuss extension, the inconsistency in communication modes, the menacing letters you can only find out aren't relevant to you by calling in ( if so why send them? ), the pretense that SLS needs two take 2 weeks to make a 'decision ' on a program in which they do not get to make decisions, the requirement to do it in 90 day increments instead of the 180 days, forcing this process to be gone thru twice as often. 
I can not understand what profit Specialized Loan Servicing gets from doing this?

Why can't they just follow the law in a helpful and supportive way.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN : 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 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 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 Experian XXXX XXXX XX/XX/XXXX Experian
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX  was used to pay for a very large medical expense for my daughter. This with deferred interest for 12 months, then 26.99 %. I spoke to a representative who assured me that if I signed up for autopay and paperless, that a letter would come in the mail, and am email as well to warn of the upcoming deferred interest expiration. Nothing came and it triggered the Deferred Interest, charging me around {$2800.00}. I finally caught this about 2 months later ( Synchrony sends no emails XXXX. When I called them they put all blame on me, and despite what their website says, there is no Covid-related help they are willing to offer. This is flat-out predatory and specifically targeting disenfranchised population in a difficult XXXX XXXX XXXX  situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Request for Removal of Unverifiable Account Information Dear Credit Reporting Department, I am writing to formally request the removal of a Late payment from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a late payment from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable late payment from my report as of XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable late payment from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of
unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accura
te information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. Sincerely, XXXX XXXX
Product: Debt collection

PrimaHealth is reporting a charged off account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. PrimaHealth is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial 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 all inquiry I have no knowledge of can you please remove this from my credit report
Product: Credit card or prepaid card

I am following up on my prior CFPB complaint ID # XXXX, Barclay 's did not resolve the dispute, they stated they have only reasserted the claim. I have not received any return calls from Barclay 's either, after leaving 3 voicemails with the Office of the President. If there is an investigation ongoing regarding the dispute, I should have at least received a phone call by now. This needs to be corrected immediately and the {$330.00} refunded to my credit card.
Product: Checking or savings account

I try to fix it but chime account and XXXX XXXX I file a despute on my account with the police report. Becused my account was hacked in to or made a clone on my back card and they won't grant me my despute I had to move from back and get a new job becused I was not reward my dspute also a bank teller claim to be a XXXX XXXX  banker and told me it's was safe but transfer all my money from my account no
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX  and Transunion about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Product: Debt collection

On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XXXX with the CRAs and the furnisher. 

The tradeline is furnished by Bank of America and lists a XXXX XXXX account number for an alleged conventional real estate mortgage opened in XXXX XXXX. The reference number is XXXX. 

I did not get a mortgage loan from either Bank of America or XXXX XXXX in XXXX XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.
Product: Checking or savings account

I am missing money from my cash app account with no transaction history to justify transactions. I received a direct deposit of XXXX last night, spent XXXX for rent, XXXX for XXXX XXXX and transferred XXXX to my savings. That should leave me with about XXXX in my checking and not XXXX. When I contacted cash app the response was " Thank you for reaching out. We understand the importance of your funds. A technical error that occurred between XX/XX/XXXX  and XX/XX/2023 impacted one or more of your Cash Card transactions.During that time, merchants that you used your Cash Card with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance.The balance you're seeing now reflects the amount we deducted to recover these funds and successfully complete the payment ''. How ever they are not able to provide me with which transaction or merchantts experienced the issue and what dates would have actually been affected. The transaction history they show is false as it does not reflect this " issue '' they describe, which is inaccurate financial records and reporting. If there was an issue with payments they should be able to provide the exact dates, times, and merchants that experienced the issue, and they should reflect transaction history to show such errors. Financial institutions should be reporting accurate history involving any transactions and updated errors.
Product: Debt collection

I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all   XXXX   credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as  XXXX  account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a   XXXX   collection negative item to my credit report for the same exact amount of  XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to apply for a car and they needed to pull my credit report however due to this action there were many hard inquires.