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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section XXXX of the Fair Credit Reporting Act ( XXXX  ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX XXXX BREACH. PLEASE REFER TO THE EQUIFAX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically XXXX XXXX XXXX ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX / New York XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Mortgage

XXXX XXXX XXXX d/b/a brand Mr.Cooper sent house insurance check XXXX XXXX XXXX XXXX XXXX late in XX/XX/2023 instead of XX/XX/2023 and sent me a XXXX check I sent XXXX check back to Mr.Cooper WAS NOT put back in my escrow account now wanting to raise my house payment for lack of funds in escrow account they can't count add or subtract a first grater can figure this out grown adults can't fact
Product: Credit reporting or other personal consumer reports

Account was charged off in XXXX  XXXX and XXXX removed the item from my credit but Equifax is not removing it. And they are stating account is accurate I am requesting the immediate removal of the disputed account belonging to XXXX XXXX XXXX, with account number XXXX, from my credit report as it is no longer under dispute and the information is inaccurate. I don't understand why I am having such a difficult time getting these removed when XXXX and XXXX were so easy.
Product: Student loan

I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

ok, this issue that I have is regarding a credit card company that I have. they reported that I missed a payment, but in reality I did n't. I had this account on auto pay and the transaction was made but then reversed or sent back. because of this, they reported a missed payment to the credit burial and then decided to give me a call to inform me about the issue and charged me a late fee. Had they informed me what the payment was sent back I would of resolved the issue. Now my credit score dropped significantly as a result. I 've contacted the company and they ask that I file a dispute with the credit burial by mail. 

the company is elan financial svcs my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this fraudulent account since XX/XX/2023, nothing has been done. Ive made several complaints with cfpb, disputes directly with the company, requested proof and even paid the debt just to remove it from my credit although it isnt mines and it still appears as an unpaid debt as well as a violation of my consumer rights.
Product: Mortgage

I was approved for a Trial period plan under the Home Affordable Modification Program with my servicer SLS on XX/XX/XXXX. My first trial payment was scheduled to start XX/XX/XXXX and end on XX/XX/XXXX. I have had an attorney helping me submit my paperwork to SLS during this entire process. Upon receiving the trial paperwork showing a trial payment of {$2300.00} per month my attorney contacted SLS and advised them they used an inaccurate income to determine my qualification and trial payment. SLS advised my attorney to submit our dispute in writing. My attorney did this on XX/XX/XXXX and confirmed it was received by SLS. SLS also advised my attorney that I should make the trial payments and if there was an error in the income calculation and trial payment amount that it would be corrected once I received my final modification and reflect on that paperwork. The error SLS made when calculation my income is simple. They based it on an amount of {$7600.00} per month which includes my base salary and tips. However, SLS counted my tips XXXX. My actual income was only {$6400.00}. My attorney advised me that normally SLS will just ignore our letter advising them they made an error and just finalize it with the same INCORRECT payment. The final modification paperwork arrived dated XX/XX/XXXX. The new payment is NOT 31 % of my real/actual/correct income. It 's 31 % of the income that we advised SLS was incorrect. I am on a tip compliance and the tips that show on my pay stubs are only for calculating my taxes withheld. I sent a profit and loss ( Per the request of SLS ) for ALL of my tips. Inclusive of the tips that show on my pay stub. Not in addition to the tips that show on my pay stub. Upon contacting SLS they state they have reviewed my attorney 's letter advising them there was an error in the calculation of the income and that they determined it was correct. However, this is IMPOSSIBLE. There is no way to calculate that high of an income for me without counting my tips XXXX. I again faxed another request to correct my income on XX/XX/XXXX. The error made while calculating my income is not complicated. The letter explains what happened ( See attached copy to this complaint ). Unfortunately SLS simply gives lip service when they reply to these types of disputes. This is not only unfair to myself, but it basically defrauds the government because they are participating in the HAMP program and the HAMP program requires the lender ( SLS ) to offer a new payment which is 31 % of my income. The offered final mod dated XX/XX/XXXX IS NOT 31 % of my income. It is 37 % of my gross monthly income. I am asking CFPB to please demand SLS comply with an actual review and correction to the error in my income calculation. So far when my attorney talks with SLS they only push for me to just accept this final modification. This final modification is fraud and uses the HAMP 1 program without lowering my payment to 31 % of my actual income.
Product: Credit card

Yall sent me an application for an Apple card and because of my heritage XXXX XXXX being poor and yall look at us is being less likely to be able to use a credit card so yall denied me. I am proud of my heritage and being XXXX XXXX but Goldman Sachs tends to overlook the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This is a company that is an app that you download on your phone and you can borrow money. You can also earn money by making purchases and getting gas and things like that. I did in fact use their service a couple times this past year as I have used their service before over a couple years ago. I noticed that I was starting to have credits come into my account and then taken back out from them. I tried to contact them and the only way to get a hold of them is through their chat. I constantly ask them to delete my bank account information. And they told me they could not. I was told to just delete the app but deleting the app does not stop them from having access to my bank. 
They say they do not have phone communications in case they need screenshots and things. I contacted them to let them know that the activity that they were doing on my account was not authorized by me. They were ignoring what I was telling them so I ended up contacting my bank. My bank started a dispute and they actually credited me with a provisional credit the amount that Earnin had taken from me. During this process I have been continuously contacting Earnin through the chat and I finally got them to contact me through email. But half the time they do not respond properly to what you were saying because youre basically talking to a robot. 
The responses to the chat and through the email seem robotic. I have taken screenshots of most of our conversations once I realize things were not going my way. I told them many times I felt they were they were being fraudulent and that I was going to report them. 
They just were not responsive to what I was telling them. They were telling me that any charges me to my account had to have been my fault. 
Now today I received a letter from my bank telling me I needed to provide proof that I attempted to cancel with Earnin because they manage to somehow create a spreadsheet showing credits and debits from them. Of course there are credits and debits from them but that does not mean that I did those. I feel like somebody at the company is somehow making extra money doing credits and debits from peoples accounts. The spreadsheet earnings sent to my bank looks like something anybody could type up. Theres no heading theres no anything that would really prove that I did those transactions. So now Im concerned that my bank is going to deny my initial claim and make me give back all that money meaning I am now out money twice because of this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( s ) in question are as follows : XXXX Intermediate Holdings : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Credit Reporting Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.
Product: Debt collection

I was referred to collections for a office visit and never informed by the physician about the bill. It could have been resolved years ago. I had a XXXX XXXX account that had the funds to pay for any office visit but XXXX XXXX XXXX office never presented the bill for payment. I contacted the XXXX XXXX and requested the payment of remaining funds to be made to XXXX XXXX XXXX and I also notified XXXX XXXX XXXX XXXX and provided them with proof of the payment. XXXX  and the XXXX XXXX XXXX XXXX is still reporting this informaiton erroneously and refuse to remove it from my credit report. I was never notified about the debt prior to it being reported to my credit report as a collection account and now I am being penalized for an account that I had no knowledge of from the beginning. I paid both accounts and I need for them to be removed from my credit report and updated as paid. 
XXXX was paid to XXXX on XX/XX/XXXX ( cleared by XXXX ) XXXX was paid to XXXX XXXX XXXX on XX/XX/XXXX ( virtual card payment has cleared on XX/XX/XXXX ) ..
Product: Debt collection

Around XX/XX/2019 I was in XXXX for a month and had to go to the XXXX XXXX Hospital. I saw a nurse and got an XXXX and that was all. I signed documentation for free health Insurance and medical bill coverage because I was not a resident and under the age of 21. I submitted it to the front desk at the hospital and she said I was good to go. A year later I was put into collections for XXXX $ under CRME FINANCIAL SERVICES they did not disclose any account information to dispute it or to pay it off. When I called the collections agency he told me I am being charged for an XXXX and to see a doctor. However, I only saw a nurse and got an XXXX  Plus I signed documents for free medical and financial Assistance for the medical bills and was given no information about an account or remaining balances.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2025, my personally identifiable information, including details related to my student records, was accessed & disclosed without my authorization. Specifically, personal data from my education records, including but not limited to, my full name, student ID, academic history, & potentially other confidential information, were involved. The information disclosed was recorded in my education records as it relates to my academic history, student identification, & other personal details protected under XXXX. The disclosure was made to individuals or entities associated with XXXX XXXX XXXX XXXX. The entities involved had no authorization to access or share my personal educational data. The disclosure occurred without my consent & was related to external access to my personal information, likely involving unauthorized access by entities outside of the educational institution. At no point did I provide authorization for such access or disclosure. I became aware of the unauthorized disclosure on or about XX/XX/2025. As of now, I have not had any direct communication with the disclosing individual or entity regarding this matter. As a result of this unauthorized access & disclosure of my personal data, I am requesting the dissolution of my student loans, as this breach has affected my ability to manage my financial responsibilities & compromised my privacy rights under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Something happened to my Equifax credit file, and Equifax will not tell me what the issue is. They needs tons of documentation for a situation that I did not create. This is unfair to me.
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some account that I do not recognize and also I did not authorize any information to be furnished, and this account is erroneous and has no permissible purpose. I have not done business with any of these companies. This account has violated my federally protected rights, delete this account due to violation of Title 15 USC 1681b. ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX title 15 USC 1681 : As the consumer I have the right to privacy and I did not give ANY bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXX v TransUnion XXXX. 

FCRA SECTION 623 ( a ) Duty of XXXX XXXX XXXX to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Pursuant to USC Title 1692k I will pursue litigation for these violations that is causing defamation of character and financial injuries.
Product: Mortgage

Payoff letter was requested from Citibank. House was sold and closing date was XX/XX/2022 Payoff check was sent on XX/XX/XXXX and received XX/XX/XXXX. Check was cashed on XX/XX/2022. 
As of XX/XX/2022 Citibank had not pasted the payment nor have they relieved me of the debt. 
I have been calling them since XX/XX/XXXX to straighten this out and they have failed to do so. They have also refused my demand to reach out to me. 
I demand an immediate release from this obligation. They have had the check for over 30 days
Product: Student loan

I attended college in the XX/XX/XXXXs and graduated in the year XX/XX/XXXX. My total amount of my loans topped at {$8000.00}. In the 17 years since graduation I have paid thousands towards my loans. They changed hands a couple of times finally landing in control of Navient. It was not my choice to have my loans under different lenders. Now after 17 years and trying to dispute this through my credit report without success I owe a balance of {$8500.00} which is {$590.00} more than the gross of my original loan 17 years ago. I have now been left with only the option of filing a complaint with three different agencies. I am well aware of the lawsuits files and feel I have been wronged through my student loans. I was steered wrong by both XXXX XXXX and Navient. I can not log into XXXX XXXX to see my history buy according to Navient my loan was disbursed in XX/XX/XXXX which is incorrect. It disbursed in XX/XX/XXXX and XX/XX/XXXX and completed in XX/XX/XXXX with a max of {$8000.00}.
My loan actually reached its term to be paid in full in XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$4100.00}. This does not include what was paid to XXXX XXXX before this. Navient has taken every payment I have made and used it for fees or capitalized interest plus some leaving me owing {$590.00} more than my original loan. 17 YEARS LATER. This is why I stopped payment on this loan. I was getting nowhere.
Product: Checking or savings account

I launched a complaint with chase on XX/XX/2021 after receiving 31 individual retractions issued by XXXX XXXX. I contacted XXXX and they admitted to the mistake, stating they would launch a claim as well and forward this to their legal team. On XX/XX/XXXX Chase contacted me stating that they were deciding to close my account due to this issue. I was never asked for information supporting the claim and offered numerous times to show Chase the emails from XXXX XXXX and was never given that opportunity, despite advanced providing emails that they were willing to fix this. This closure has left my kids without food for nearly a week, as well as a rejection of the stimulus payment and personal employer pay as well causing irreversible damage.
Product: Credit card or prepaid card

I have been affected financially by the Coronavirus pandemic in terms of my employment. My hours have been reduced to part-time. I have called Capital One numerous times with one time being on XX/XX/2020 at XXXX to discuss my options and to request to have the late fees applied to my account for the year 2020 reversed. Capital One has applied late fees to my account every month even after I made a payment. But because the payment I made did not cover the minimum amount due, I was assessed a late fee of {$38.00}. I have contacted Capital One several times requesting financial assistance and I keep getting the same response as below. 

I was transferred to a supervisor after the first Customer Service Representative was unable to help me. 

Once I was connected to a supervisor, I explained my financial hardship situation and asked to have the late fees reversed. The supervisor advised me that Capital One could not reverse any late fees on my account because one was already reversed for the month of XXXX and the decision to deny my request could not be overridden because the decision is a " System Generated '' decision.

I asked if I could be transferred to the Customer Retention Department and the supervisor told me that Capital One does not have a Customer Retention Department and that I was speaking with a representative in the highest department that can make account changes. 

I asked for the name and email address of the Chief Executive Officer for Capital One and the supervisor told me she could not give me that information and suggested I go online to dispute any charges on my account and that I could find information for the CEO of Capital One online. 

After disconnecting the call, I logged onto my account online and clicked on the " Learn More '' jumplink for " Help during the COVID-19 virus situation. However, the only " Help '' options displayed were help making a payment or activating a credit card/account. 

I have spent countless hours trying to find options for disputing charges and fees applied to my account, and the only online assistance provided is for Making Payments, Activating Credit Cards/Accounts, or to Call Customer Service which has gotten me nowhere! 

I have printed and prepared a form for disputing charges applied to my account and will mail it, however, I am not optimistic that I will receive a response in a timely manner or if ever! I would like to know my legal rights in a situation like this where a financial institution refuses to provide assistance as advertised and what my options are for receiving REAL financial assistance due to my financial hardship due to the virus pandemic. 

Thank you.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report