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

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Fortiva/XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Product: Bank account or service

I have been trying to collect an amount owed to me by PNC Bank since XXXX XXXX XXXX. I received a refund from an intuit purchase and they credit it to my old debit card that was drawn from PNC Bank. PNC Bank contacted me via writing ( Exhibit A ) to let me know of the refund and provided a contact XXXX I tried more then ten times calling this number and none of the PNC employees that I spoke to ever forwarded the {$210.00} owed to me. After so many months of frustration I finally sent a letter in writing to a PNC Bank representative at a local branch where I opened my banking account. Her name is XXXX XXXX XXXX. This letter was sent certified mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX, ( Exhibit B ) To this date I still have not had a response nor has my money been returned to me.
Product: Credit reporting or other personal consumer reports

I have an account with Equifax credit services and check my credit report everyday. I noticed on my credit report there was information that didnt belong to me such as inquiries and credit accounts. I submitted a dispute for the inquiries that I realized were not made by me, I submitted my ID theft request as well as my police report filed that showed these inquiries were not made by me but when my personal information was stolen. Equifax took less than XXXX hours to come back with a decision on my dispute, Every time they state that inquiries are a factual record they are unable to verify the inquiries and they do not do an investigation at all. I submitted another dispute after this one and it took them less than XXXX hours to come back with a decision again. I submitted the same dispute with XXXX and XXXX and these items were corrected. Equifax refuses to do a complete investigation. I informed them that this a violation under the Fair Credit reporting act, and them stating that inquiries are a factual record is not sufficient they have to verify the information which they have been unable to do. Despite me informing them Of this they refuse to remove the false information from my credit report. Which under the Fair Credit reporting act if the cant verify the information they MUST delete it. 

Furthermore they often go months without updating information, and they give conflicting information to other credit reporting agencies. I pay for XXXX that allows me access to all three of my credit reports, Equifax has not provided an updated credit report to them since May. They also refuse to update my current address so I do not get the letters they send out. I submitted a dispute to change my current address they ignored it and updated it to the WRONG and OLD address on file that I did not tell them to. 

I filed a dispute against XXXX XXXX for not having accurate information. They stated that they get their information straight from Equifax. Currently Equifax is reporting to XXXX XXXX that I have XXXX hard inquiries, that is insane However on the actual Equifax site I only have XXXX Hard Inquiries. They refuse to correct this information with XXXX XXXX. Equifax continues to be the only Credit Bureau that refuses to do accurate investigations as required under the FCRA, correct wrong information and update the credit reports in a timely matter. There actions have not only violated my rights under the FCRA but continue to have a negative impact on my credit score. I have been denied numerous credit applications because of their negligence. My next step is legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently. 

1 ) XXXX/XXXX/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) XXXX/XXXX/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score. 

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

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

I am writing to express my deep concern and frustration regarding the multiple collections accounts on my credit report with XXXX XXXX XXXX. I disagree with the prior investigation done by the bureau, and I have serious doubts about the accuracy and legitimacy of these collections. 

I was not provided with any information on how my debt was validated, who validated it, the original contract, and the services provided. As a consumer, I have the right to be informed of these details, and I have not received any information regarding them. This lack of transparency and communication is unacceptable and violates my rights as a consumer. 

Furthermore, I am extremely concerned that these collections have been verified and validated to ensure that every piece of information is 100 % accurate. It is essential that these collections are thoroughly verified and validated, and I have doubts that this process has been carried out as it should be. I am worried that my credit report has been negatively impacted by inaccurate and illegitimate information, which can have severe consequences for my financial future. 

Therefore, I demand that these collections be removed from my credit reporting immediately and that my rights be protected. I am willing to cooperate with any further investigation to prove my innocence and clear my credit report. It is imperative that XXXX XXXX XXXX takes appropriate action to resolve this matter and ensure that all information on my credit report is accurate and legitimate. 

In conclusion, I am extremely disappointed with the way XXXX XXXX XXXX  has handled this matter, and I urge you to take immediate action to remedy the situation. I look forward to hearing from you soon. 

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

Equifax has proven that it is grossly negligent in handling my very sensitive, personal information. This is particularly distressing because by the nature of their business, I have no control over being their " customer '' or not. 

Besides that, their most immediate course of action to remedy this disaster was to rather sneakily try to trick me and other consumers into allowing us to shield them from legal consequence by tucking an arbitration clause into their offer of free credit monitoring terms of service which is n't even displayed on the same page that you sign up for said monitoring. It all stinks of rather underhanded tactics, to me. 

This company deserves to bear the FULL burden of consequences for having endangered nearly half the adult US populations ' personal info.
Product: Mortgage

US Bank claimed/responded that we owed an additional {$6800.00} on our home mortgage in a letter dated XXXX in response to a complaint filed by us to the CFPB and the OCC, case # XXXX regarding this matter. 

US Bank provided a table detailing their findings. Their table clearly shows that the Total Billed Amount from US Bank was {$180000.00} and the Total Payment Amount was {$180000.00}. This shows an overpayment of XXXX by us, the borrower. 

It's important to point out that US Banks analysis was in error for the total amount they said we paid. Addidng the amounts of our payments they total {$180000.00}. That combined with the XXXX payment {$2700.00}, they omitted, comes to the total we actually paid of {$180000.00}. 

Their workpaper also shows the payment of all taxes and insurance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 
15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. Santander was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Ive found an unrecognized account on my credit report that doesnt belong to me. I suspect it could be a result of identity theft or fraud.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting 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
Product: Debt collection

I received my first statement from the hospital in XX/XX/XXXX, and I called them in XX/XX/XXXX to request an itemized bill -- I didn't receive the bill until XX/XX/XXXX, but the collection company has been calling daily starting on XX/XX/XXXX ( almost XXXX weeks before I received the bill ). I mailed the collection company a dispute of the debt and a request to cease calling me on XX/XX/XXXX, which they have ignored ; they continue to call me daily. I will be paying the debt with the original creditor -- I do not want to have any contact with the collection company, nor should this be on my credit report. I've been in regular contact with the original creditor in good faith, and I want this collection company to go away.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and XXXX XXXX I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Debt collection

Ive tried contacting the company several times through mail and CFPB But nothing gets rectified they say theyve any full investigation and just update numbers on my credit report
Product: Mortgage

I switched my insurance in XXXX and received a notice from my mortgage servicer, cross country mortgage, later that month saying that I did not have any insurance on file. I attempted to contact their support team through different channels and never received a response so the issue is still unresolved. 

On XX/XX/XXXX I called in to the support team and was transferred to an insurance team. I explained that I received a check and wanted to make sure I had escrow funds able to cover the insurance payments, but I also wanted to make sure they had the new insurance on file. I was placed on hold for XXXX minutes before the call disconnected and no body called me back. 

I called back in and explained the situation again before being placed on hold for XXXX hour and XXXX minutes before I disconnected the call. 

While I was on hold for the second phone call I chatted in to the support team and was told that I would need to call the phone number. I asked that the call be escalated to a manager who refused my request for chat transcripts but told me that I could email CrossCountryXXXX 

I emailed CrossCountryXXXX and never received a response. I even followed up a week later but still never received a response.
Product: Credit card or prepaid card

In XXXX of 2019 I Called Chase to get what they would take to pay off my dept. I then give this to XXXX XXXX to pay off and add to my refinance my load. I had my payments setup on auto, and they kept taking out payments. My dept should be payed in full but they kept taking payments so I have call them and call them and no resolve. They still say I am behind on payment. They keep charging me interest and late payments.