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

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX nj XXXX ] [ XXXX Subject : Dispute of Student Loan on My Credit Report To Whom It May Concern, I am writing to formally dispute the student loan listed on my credit report under [ account number/reference number ]. I have never attended any educational institution, nor have I ever applied for or taken out a student loan. This entry on my credit report is erroneous and must be removed immediately.

Upon reviewing my credit report, I was surprised to find this loan listed under my name. This is a mistake, as I have no affiliation with any educational loan program. I believe this may be a case of identity theft or a clerical error, and I kindly request a thorough investigation into this matter.

To assist with your investigation, I have attached copies of the following documents : A copy of my credit report highlighting the disputed loan A copy of my government-issued ID [ Other supporting documents, if applicable, such as police reports for identity theft ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and expect a timely response. Please provide written confirmation of your findings and notify me of any actions taken to correct this error. 

If additional information is required, feel free to contact me at [ phone number ] or [ email address ]. I appreciate your prompt attention to this urgent matter. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. ) XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX L Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer 5. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Product: Debt collection

synchrony bank is reported on my credit reports on XX/XX/2019 and account for {$580.00}. I have contacted this company and explained to them that this account does not belong to me and I asked company to send me a contract stating with my social security and other identifiers and the company synchrony bank has not responded with any proof that this is my account. This account does not belong to me and the company has been notified of this several times. Hope you can help with this. Thank you
Product: Mortgage

On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

There was an account in credit card that was opened in 2021 from XXXX XXXX  with an address listed that i have never lived. The approval limit was i believe XXXX. My social has been stolen and compromised. All was done was a removal no other action was taken or compensation.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXXXXXX XXXX  XXXX ; Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit card

I have an excellent credit history, I am a home builder and buy numerous homes at local auctions, fix them up and flip them. I depend on my credit for business and my credit score typically runs between XXXX-XXXX. A few days ago my credit took an incredible drop due directly to a Synchrony BP card in my name ( SYNCB Bank ) that reported inaccurate information to my credit reports. It is a card I rarely use and paid off months ago. 
After researching I found out that somehow my statements where changed from being mailed to me to online only. I NEVER have online delivery of my statements and believe this could have been inappropriately initiated by Synchrony BP Card. As a result a small balance, which I am not sure is mine of {$360.00} went 40 days late. Synchrony bank never sent me updates, reminder, statements, phoned or in anyway attempted to contact me. My credit score on XX/XX/2016 was XXXX. On XX/XX/2016 after XXXX reported I was late, my score dropped to XXXX. ( See attached documents ) I contacted SYNCB bank on XX/XX/XXXX, disputed the late charge, requested an investigation and demanded the late payment be removed from credit reports immediately until the investigation is completed and then updated accordingly. I have also filed the appropriate disputes with XXXX, XXXX, and XXXX. I do not have faith SYNCB will conduct a proper investigation and follow federal policy by removing the late payment status until the investigation is completed. Additionally, as a result my Auto insurance was just raised by {$180.00} a month die to my XXXX score
Product: Credit reporting or other personal consumer reports

You are In Direct Violation of The Falr Credit Roporting Act ( XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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. 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account under an open-end consumer credit pian as late for any purpose. Remove these late payment and update this account, update this payment to current or on time Immediately as you are In Direct violation of several laws under The Falr Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a settlement on my XXXX XXXX credit card I paid the settlement offer but XXXX XXXX is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 
In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My Protected Consumer Rights To Privacy And Confidentiality Under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) 5 ) : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting

I have never lived at one of the addresses on my credit report : XXXX XXXX XXXX. 
XXXX XXXX, In XXXX
Product: Credit card or prepaid card

Someone attempted to open credit card in my name with Bank of America. Thankfully it was denied. This is 2nd time this year. Earlier in XXXX someone opened a checking account with same Bank in my name. I have froze all 3 credit Bureaus. XXXX has incorrect personal information on mine and I will be contacting them.
Product: Checking or savings account

Paypal issue! 

They banned me for no reason. They are holding XXXX of MY funds.
Product: Checking or savings account

On XX/XX/year>, I sent a letter to Citibank to re-activate my savings account. I also requested that my account is to be closed and to send a check to my address. They activated my account, but did not close my account. In XX/XX/year>, I requested a new ATM card and they complied. On XX/XX/year>, I requested that my account be closed once again and was told that it could not be closed, because the account was inactive.
Product: Debt collection

XXXX  XX/XX/XXXX {$6400.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX XXXX These accounts are fraudulent and were possibly opened due to identity theft. I challenge the accuracy, compliance, and reportability of these accounts. Please validate this information with these accounts and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 the balance is now XXXX cos its digital asset ( XXXX ) I have requested them to allow me do a one time withdrawal as promised buy the company the company name is paxful.com
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 validation I need all collection accounts on my credit report verified XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There are several issues related to this complaint in dealing with Shellpoint. I 'm numbering the issues to ensure each issue is addressed. 1. Shellpoint is in violation of CAHBOR by issuing a sale date on a home while it 's under a work out solution. At issue is this short sale request that has been in process for months. We advised the lender on X/X/17 that our previous buyer had walked due to significant repairs needing to be done on the property and submitted a new offer to Shellpoint on X/XX/17 at which time the file fell under a foreclosure alternative work out program as outlined by CAHBOR. At that time Shellpoint was legally required by law to postpone the foreclosure sale date and they did not. This is violation of state law and Shellpoint routinely violates this law and this practice must CEASE and DESIST immediately. 2. The person assigned to the short sale request at Shellpoint is named XXXX XXXX. XXXX XXXX confirmed receipt of offer on X/XX/17 and advised he needed the junior lien holder pay off letter and that was all that was needed. On X/XX/17 XXXX XXXX advised customer support that he was requesting a 2nd lien mortgage statement ( which he never asked for, he asked for a pay off ). The problem is that on X/XX/17 XXXX XXXX was advised he had the 2nd lien pay off and he stated he would run the numbers for the short sale and they were close enough to the last offer and we should be okay. He never ran the numbers, he did n't do his job and then he tried to cover for his negligence. We had to have another person at Shellpoint write into the notes that the docs were in the system the previous week on the date previously advised for tracking purposes so XXXX XXXX could n't blame us for not getting docs in time. XXXX XXXX then stated on X/XX/17 that it was now too late to get an approval because he did n't do this job last week. This is unacceptable as is unacceptable that there is a sale date scheduled on a property that is a work out resolution status and can not even have a sale date due to CA state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer reports via XXXX and XXXX, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and Transunion also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closed out complaint number XXXX on XX/XX/2023. The problem is still not fixed. The score is working but the report is still blank. When I log in it still says to call Equifax with the code " XXXX ''. I continue to be denied new credit and credit line increases due to Equifax 's inability to fix their issue. This needs to be fixed ASAP.
Product: Credit reporting

Equifax re- inserted a previously deleted unknown public record account and a bofa account from my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed and XXXX account number XXXX.
Product: Vehicle loan or lease

I purchased a XXXX from Ford Motor Company. The XXXX XXXX XXXX  Lightening vehicle was declared a XXXX under XXXX  Lemon Law months ago! 
Ford refuses to send payoff check to the issuing bank and continues to give me a hard time of fully processing this XXXX XXXX of a vehicle! 

The vehicle was provided weeks ago to Ford. The documents were provided weeks ago. Ford is intentionally causing delays in processing payoff for the lemon vehicle they sold!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX
Product: Mortgage

On XXXX I sent a letter to Bank of America and spoke with XXXX different employees of Bank of America. XXXX XXXX, Manager of the Short Sale Dept, phone XXXX, assured me he will have an incorrect report to my credit report corrected within 5 business days - or by XXXX/XXXX/XXXX and he would send me a letter of correction. He said it would take 30 to 90 days for the credit reporting agencies to make the correction. 
Bank of America reported that I owe {$64000.00} to Bank of America as a result of a short sale. 
Bank of America prepared documents signed by me stating the bank accepted payment in full when the property was sold XXXX/XXXX/XXXX to a new owner. There were no further costs to be paid by me and I did NOT sign a promissory note agreeing to pay any additional amount to Bank of America.
Product: Student loan

There are a couple issues involved with this complaint about my federal student loans and PSLF : 1. I have federal loans from an undergraduate and graduate  education. As per the MOHELA website, my original principal balance I took out to cover these degrees was {$110000.00}. At some point during my education when I was on a forbearance due to being a student in school, a lot of interest was capitalized and added to the principal. The principal total is now {$130000.00} and I don't understand why. I tried calling Student Aid and MOHELA, and I was hung up on by the phone system because there are so many callers at once. I keep reading there is an XX/XX/XXXX deadline to consolidate in order to get a benefit or help for student debt, but the information online isn't clear about what I should or shouldn't consolidate, and I need more help than I'm getting from the website and phone representatives. I currently have 3 consolidated loans and I'm not sure if I should consolidate those 3 together into 1, or will that ruin my PSLF progress? Which leads me to the second part of the issue... 

2. I'm trying very hard to work towards Public Service Loan Forgiveness. I was laid off from my PSLF-eligible employer in XXXX  due to the pandemic and it took me 2.5 years to find another eligible employer full time, so I lost 2 years of payments. I called to ask if I could get credit for this time but I was told no, even though I've heard of pandemic credits being given out. Next year will mark 10 years since I graduated with a XXXX XXXX XXXX XXXX and I've been working for XXXX XXXX employers full times as much as possible -- except for the 2.5 years of the pandemic, and desperately need help attaining credit for those 2.5 years so that I can gain PSLF. I haven't been able to reach anyone on the phone because of the call volume.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received instructions from my mortgage holder, Newrez, regarding a loan assumption. The instructions from Newrez were to complete, sign, and return a seller payout/ assumption information letter, which we did on XXXX. XXXX was told that in 24-48 hours she would receive the assumption application for the buyer. Newrez did not acknowledge or respond as having received the letter. 2 days later XXXX office started reaching out to Newrez with no response. 

On XX/XX/XXXX, another Newrez employee told XXXX that No, it takes the Assumption Department up to TEN days to send an application packet. So I call Newrez and they tell ME that I was supposed to CALL to initiate the process, that I had no case number, that NO ONE has a phone number to speak with the Assumption Department, but she would establish one & start the request process. 

I again called on XX/XX/XXXX. 
It is now XX/XX/XXXX and we have no application.