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

Around XX/XX/XXXX, I contacted Sellpoint Mortgage Servicing which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.
Product: Checking or savings account

I had an incident regarding a bank robbery at a Chase Bank ATM about 2 months ago ; A man outside the bank followed me inside and demanded I cash his fake check and give him the amount on it. I was fearful for my life and did whatever was asked of me as this was late out and I was alone. I spoke to the police and gave the police report to Chase Bank after they asked for it but they still rejected the claim.
Product: Student loan

On XX/XX/XXXX, at approximately XXXX XXXX CENTRAL STANDARD TIME. I, XXXX XXXX XXXX, called Navient for deferment ( In-school XXXX XXXX ). They promised to accept my documentation and proof of enrollment at XXXX XXXX XXXX XXXX. I am enrolled for 6 credit hours. The last term was a pain to get deferred, also! Now, Navient has denied my in-school status and stated, " Ineligible school. '' Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to Billing Error : I was not notified of the correct payment amount, as the statement issued by XXXX contained an error. This resulted in a delayed payment, which should not have been reported as late since I resolved the issue promptly after receiving the correct billing information. 
No Late Payment Notification : I was not provided with any notice from XXXX regarding an impending late payment. Under the Fair Credit Reporting Act ( FCRA ), I should have been notified before any negative information was reported to the credit bureaus, which did not happen in this case. 
Evidence Provided : I have attached my payment history and bank statements, showing that I made all payments once the correct billing information was provided. This clearly demonstrates that the late payment was due to a billing discrepancy and not negligence on my part. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I received a notice dated XX/XX/2019 from Bank Of America that they are closing with 21 days my checking and savings the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this my 2nd attempt in trying to resolve this matter. The SPECIFIC fraudulent accounts in question that were from the direct result of identity theft are 1. XXXX # XXXX, 2. XXXX  XXXX XXXXX. After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and have been listed in XXXX separate data breach incidents. Namely Equifax and XXXX XXXX. As a result, I was notified by IRS that someone filed taxes using my name and social security number. I filed a FTC report and IRS identity theft affidavit form XXXX. I feel that my previously disputed accounts were not investigated or any inaccurate information removed as result of identity theft. These are to include : Acceptance Now acct : XXXX {$3400.00} Charged off written off XXXX Bank XXXX acct : XXXX {$780.00}, charged off written off XXXX XXXX XXXX acct : XXXX Charged off {$10000.00} written. Off {$8700.00} XXXX XXXX acct : XXXX Originally XXXX was removed from my credit as charged off then debt was sold {$1100.00} I also disputed all hard inquiries that were done without my knowledge and are not connected to any accounts opened by me. 

Dates XX/XX/XXXX ( multiple times ), XX/XX/XXXX, and XX/XX/XXXX In addition I requested that all old addresses except for my current be deleted from my credit report to avoid further attempts with identity theft since it occurred using my previous address.
Product: Debt collection

This a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Product: Debt collection

Enhanced recovery collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2010, I accepted a job for a XXXX XXXX. I received 3 checks for a total of {$2800.00}, an I went to my bank to cash them.. I was concerned about the legitimacy of the checks an asked my bank to double an triple check them to see if they were real an good.. the bank told me three times yes, that the checks were good.. I cashed the checks an completed the things that were required of me to keep a portion of each check, one to two days later a police officer an two cars loaded with 5 people from the bank came to my home demanding that I return the money from the checks. I informed them they told me the checks were good an that I did not have the money due to I sent most of the money off. A week later the bank asked me to come in to make arrangement 's to pay it back. I started paying the money back XX/XX/2010, now its 7 an 1/2 years later, an the amount has grown from {$280000.00} to over {$7000.00} even tho Ive been paying on it for 7 years.. Ive never received any loan documents to explain the loan. My understanding was I just had to repay the amount of the checks seeing how both my self n the bank was scammed, because the bank checked three times n said the checks were real an valid.. My husband recently done some checking an this loan seems to automatically renew itself.. when I talked to the bank, they said yes it does automatically renew itself every year.. At the rate this is going Im going my balance seems to go up not down every year ... I need help getting this resolve so I can get this paid off.. My husband says this seems to be like the payday loans where people cant pay them off.. Recently I asked the a few people at the bank for a copy of the original amount of the scam or the amount of money the gave me for the three checks.. It was explained to me that they do not have the paperwork because its by law they can throw it away after seven years.. A few months ago I sent a registered letter asking for all information pertaining to the amount of money the bank gave from the three checks.. I received a call from the main bank inquiring about the loan.. I explained to the lady an she did some checking an told me she dont understand or explain about the loan. She said she would investigate an get back to me.. Please I need help with this matter..
Product: Credit card or prepaid card

I opened a dispute for a XXXX $ charge dated XX/XX/XXXX with XXXX XXXX XXXX XXXX.

The charge was supposed to be for XXXX $ but the lady changed it and didnt give me a receipt. Chase later told me that the signature on the receipt was very different than my normal one.

Chase assigned a representative to my case who provided me with his phone number. I tried to call him to ask about my case, but every time it went straight to his voicemail. I left him several messages asking to be called back but he never called me back.

I called into the disputes department through the back of my card instead at least five times. I sent chase two faxes for my dispute and they lost both of them. They closed my dispute and sided with the merchant because they lost my faxes and I could never get a hold of the person working my case.

I sent them a secure message via their website to ask to reopen my case with relevant details. Today, after waiting on hold for 30 minutes, they asked me to resend them my letter again which is why I am writing this complaint. Their disputes department has been very negligent with my dispute. Their hold times are excessive, and their is a distortion problem with their call quality that makes it very hard to hear what they are saying. Goodbye chase.
Product: Vehicle loan or lease

They was not interested no one ever explained my interest rate of 20.99 % for a XXXX  XXXX XXXX cost all together came up to XXXX
Product: Vehicle loan or lease

I received a refund from the personnel property tax on the XXXX XXXX XXXX pickup that was leased and paid off. The commissioner of revenue sent the refund check to CCAP AUTO LEASE LTD.CC. It was received XX/XX/XXXX and cleared the XXXX XXXX bank XXXXcashed by Chrysler Capital! this is my refund and should have been forwarded to me! Instead it was applied to my closed lease account # XXXX. My lease was closed XXXX._ this is money I paid in full to Chrysler Capital for my XXXX taxes before the lease was closed!
Product: Debt collection

Portfolio Recovery are stating that I have 5 debt collectors account with them and I sent out over 4 dispute letters, from XXXX, XXXX, and XXXX  asking for debt validation with the original contract and signature and have not received any documentation that I have been requested. They are updating my credit report with it meets FCRA requirements but have not sent out the documentation stating how it meets FCRA requirements. I do not do online disputes everything is mailed out so I'm very upset to how can it meet these requirements without giving me the right documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to open a credit dispute with loan Care, LLC who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/2018 Disputed on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$0.00} -This is not my account.
Product: Mortgage

From XX/XX/XXXX thru XX/XX/2016, I because a victim of predatory lending practices by my home mortgage company : CitiMortgage Special Loans XXXX XXXX with a rate increase of 10.24 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Writing this in regards to background done by checker for XXXX, I believe I had identity theft on there because I had to report it in 2019 and now every time I put in for a job or anything online that identity theft that pops up is hindering me from getting obtaining employment. Also my background as far as criminal history is concerned is 14 years old, it shouldnt be held against me. I also want to know why my report from checker came back as suspended and who would I need to contact to get this issue resolved.
Product: Debt collection

XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report. 
LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED. 
XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again. 
XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX. 
XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly. 
I tried calling LVNV but wasn't able to speak with a live agent. 
As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner. 


I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024
Product: Debt collection

This Item was removed from my XXXX after your company failed to remove from my credit file. 
How cam the debt be owed to 2 different companies. 
XXXX  had the debt list as XXXX XXXX XXXX and XXXX  has it listed as National Credit Systems So how can both companies send me a verified response when its two different companies. 

The debt was removed from XXXX  but still remain on XXXX. 

Please remove from my account due to failing to provide proof. 

Original complaint : XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I pulled my credit file and Midland Credit reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, Midland Credit has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.
Product: Credit reporting or other personal consumer reports

I am experiencing a discrepancy with TransUnion regarding the reporting of three 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 These accounts were previously removed by XXXXXXXX XXXX XXXX XXXX, indicating they recognized the inaccuracies in the reported information. However, TransUnion continues to report these accounts as verified and accurate without providing sufficient proof or explanation for their findings. 

Despite my requests, TransUnion has failed to supply the specific evidence or methodology used in their verification process, as required under the Fair Credit Reporting Act ( FCRA ). I am concerned that their reliance on automated systems like e-Oscar may have resulted in an incomplete or inaccurate investigation. Without sufficient evidence supporting the existence and accuracy of these debts, TransUnion 's continued reporting of these accounts is unjustified and harmful to my credit profile. 

I am requesting a thorough reinvestigation of these accounts, detailed documentation of the verification process, and immediate correction or removal of any inaccurate information. If TransUnion can not comply, I urge them to delete these accounts and block their re-reporting, in compliance with federal consumer protection laws. 

attached you will a copy of my ID, my SSC, my proof of address, proof of the deletion of the account on each bureau and a letter to TransUnion.
Product: Credit card or prepaid card

Sombody used my card without my authorization and XXXX my all money, Need spend preepaid card Company don't wan na help me to get my money back they still ignoring me and I'm not getting my money back All trasaction on this account its fraudulent