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

I am filing this complaint because XXXX has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, XXXX continues to report inaccurate info without demonstrating that the info has been thoroughly reviewed and/or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX 's consistent failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. XXXX has not provided me with the methods used to verify the disputed accounts.

2. XXXX has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
3. My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, TransUnion , XXXX and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Product: Credit card

Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.
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 XXXX, 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 CreditReporting Act. I am a victim of XXXX  XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX MOHELA act # XXXX frst message sent XX/XX/XXXX 2nd message sent XX/XX/XXXX During the 2 years of COVID student loans were put on hold. I sent this message through MOHELAs website : Good morning, First I hope I receive a response to this message. I Called yesterday and waited 30 minutes for a rep to come to the phone and explain my situation and was advised to hold while she gets a manager for me held another 30 more minutes and was disconnected. Here is my issue. I am in the process of buying a new home. My lender states MOHELA has me delinquent all of COVID which was a forbearance. During COVID I checked and this site stated a payment balance {$0.00}. My lender needs a Correction letter from MOHELA stating correction letter stating the lates were in error. My email address is XXXX XXXX
Product: Student loan

I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP!
Product: Credit reporting

The address XXXX, NJ XXXX was my ex-husband XXXX address I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX  after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX account was reaffirmed in the Chapter XXXX   Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX   was discharged in the Chapter XXXX Bankruptcy in JXX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX  dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

My apartment experienced toxic mold following an air handler replacement. While the company acknowledged it they expected me to pay for remediation. They never did remediation but a deep cleaning. The mold came back. I developed serious health issues ( XXXX, XXXX XXXX, XXXX, XXXX  ) and after a back and forth with them and their attorney I broke my lease and moved. They sent a 'bill ' to Hunter Warfield Collections saying the damage to my apartment was from nicotine and charged me 7k in fees!! I requested a debt validation from Hunter Warfield in XX/XX/2019 with what I am entitled to by law and if they did not provide this they had to delete my account and remove from credit reporting. I did not receive anything from Hunter Warfield. All other letters and emails have been ignored except for them sending a 'bill ' now and then. 
This is illegal!!! I will attach emails and files. I hope you will read them. I also have pictures of my XXXX XXXX caused by this mold. The file is over the limit and I can provide to you upon request.
Product: Debt collection

A collection was added to my XXXX and XXXX  Credit report by " Trojan Professional Services '' a collection agency representing " XXXX XXXX XXXX XXXX '' The date of service that I went to this XXXX   was in XX/XX/XXXX. On XX/XX/XXXX a collection amount of {$1300.00} was added to my credit report. Prior to this I had not received anything from this XXXX   office to remit anything owed as I had private PPO XXXX  insurance that covered the cost in full. I have submitted supporting documents from XXXX XXXX XXXX XXXX insurance to both Credit Bureaus who subsequently forwarded the information to Trojan Professional Services.  The supporting documents show the date of service and a check number and amount of check that was submitted to pay the balance that Trojan Professional Services is claiming. I have disputed this same matter EIGHT ( 8 ) TIMES and TPS is refusing to remove this information from my credit report which is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of Toyota Finance in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.
Product: Money transfer, virtual currency, or money service

Hello, My landlord uses the XXXX XXXX to collect rent payments. I tried linking my PNC checking account to the site, but I am not able to do so. According to the error message, PNC has made a change that does not allow linking of the accounts. I need assistance in this matter as I need to pay my rent. 

Thank you!
Product: Credit reporting or other personal consumer reports

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

unauthorized transactions from merchant XXXX XXXX XXXX XXXXXXXX XXXX amounting to {$920.00} Atm withdraws on XX/XX/22 for XXXX $ XXXX & XXXX $ XXXX Then on XX/XX/22 another XXXX $ XXXX & XXXX $ XXXX. 

It happened while i'm at work in XXXX. But my card is being used in XXXX. I called XXXX 10 mins after it happened when i notice the withdraws on Friday XX/XX/22 at XXXX pm the current card was then disabled and a investigation was being started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several occasions in reagrds to the accounts listed below. The most recent dispute was dated on XX/XX/XXXX. I received a response in regards to the disputed items from Transunion on XX/XX/XXXX. 

XXXX 6 years of late payments are being reported, after account was closed. In addition, this is a closed/charged off account but shows a past due amount of {$7700.00}. This is a FCRA violation. The results from Transunion are " Disputed information updated and other information updated ... '' Again, how can a closed account that was charged off report a balance of {$7700.00} is it was closed and charged off? Also, how can a closed and charged off account keep negatively reporting late payments to my report if this creditor does not own this account anymore? The account was closed and charged off! Please stop updating inaccurate information from this account and delete this account entirely! I have also not received any documentation from the creditor or the credit bureau in regards to this dispute! 

XXXX XXXX XXXX Account is closed/charged off but shows a monthly payment of {$620.00}. The results from Transunion are " Disputed information updated '' Now it is showing a charge off balance of {$850.00}? This account was also never verified with the 30 days from the creditor or Transunion. How was this account 's information " verified '' against my dispute if neither the creditor or credit bureau has provided me with any documentation? This account is inaccurate and needs to be removed, not continuously updating different and inaccurate information on my credit report! 

XXXX XXXX XXXX - Past due and late payments reported on a collection? Delete immediately! This account has been previously disputed. Failure to notate that this account on my credit report is under dispute after a creditor or debt collector has reported the dispute. This is an additional violation! 
The results from Transunion are account verified as accurate? How!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase with CitiBank for my Costco Visa Card. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my XXXX  report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.
Product: Debt collection

SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Product: Mortgage

After I refinanced my mortage with XXXX during XXXX, I was later informed XXXX was a predatory lender. Then on XX/XX/XXXX, XXXX transferred my loan to Select Portfolio Servicing Inc., ( SPS ). Prior to the final transfer, XXXX, provided an escrow analysis with a refund, and its projected escrow analysis included no shortages. 

Once my mortage transferred to SPS I began to regularly notice and addressed escrow and other mortage problems. On XX/XX/XXXX, I received a shockingly escrow analysis from SPS that included an escrow shortage of {$1100.00} then again on XX/XX/XXXX, SPS issued another escrow analysis and with an additional escrow shortage. I decided to fully pay both shortages to avoid my mortage from increasing. Although I attempted to stay ahead of the game, SPS appears to slowly and flippantly handle my concerns. I noticed SPS kept increasing my mortage even after I elected to fully pay those shortages at SPS requests. I continued to dialog with SPS over the phone, but when that failed I shifted to sending qualified written letters to no avail. 

I later found some relief after I was later approved for the Real Estate Tax Exemption. However, I discovered during XX/XX/XXXX that SPS took {$500.00} from my mortage escrow account. SPS demands to handle my escrow, but we keep finding the errors centering on SPS. 

When I contacted SPS, I was informed that SPS received a tax bill from the City of XXXX for the quarterly Real Estate Tax and that SPS paid it. After consulting with City of XXXX Real Estate Tax office, I was told SPS didn't pay any tax bill since XXXX as my mortage tax was fully approved and exempted due to my 100 % Service Connected Disability via the Department of Veteran Administration. We verified SPS received its requested documentations. SPS was advised repeatedly regarding the mistakes, but they proposed another Escrow Analysis with shortage and demand for mortgage increase even after I confirmed SPS and their taxing department received the requested documents on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to access my Equifax account to retrieve my credit report and am UNABLE to login. ( I just unfroze my credit less than a month ago so I know the website works ) I have followed the steps, changed my password MULTIPLE TIMES and am still met with a notification that I have input the incorrect information and my account will be locked after XXXX attempts. ( I have definitely tried more than 3 times ) Equifax also is a large part of the XXXX XXXX app. This issue is leading to me being unable to properly utilize my XXXX XXXX app as well. 
Calling customer service only gets me put on hold or just pushed off to different people. 
Looking into the issue online has shown me that this is a continuous multi year long problem with Equifaxs login system that repeats constantly and some consumers are stuck in months if not year long battles trying to access their accounts. 
As a consumer AVIDLY TRYING to build my credit this is UNACCEPTABLE!