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

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 


# # # Incorrect Personal Information : Also Known As : XXXX XXXX # # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recieved an alert I applied for Barclays Bank Delaware Credit card! This was not me and was fraud! I called credit card company to stop application from going thru and advised it was fraud! They claimed to sent a letter to all credit bureaus to have this inquiry removed!!
Product: Debt collection

I have been contacted several times over the past years from XXXX XXXX XXXX. The lady who handles my account is XXXX XXXX. I received a call from her at XXXX on Thursday XX/XX/2018 stating that they had not received my payment from XXXX. My payment is due on the XXXX of every month. I paid my bill one day late ( my fault ) but it cleared my bank the XX/XX/XXXX. When I told her that I had already paid it she yelled at me and said that I didn't need to cut her off and was super rude about it. She stated that I didn't need to get upset, which I was not upset at that point. She then looked in their system and said that she did see that I had made a payment and that it hadn't been funded in their system until XX/XX/XXXX. and that she would let " them '' know so that they wouldn't take any further legal action against me. I have been paying on this account for 4 years and have never been late for a payment. This has happened to me several times when their system is not updating and they send me letters saying that if I don't become current that they will pursue legal action. I always bring it to their attention that the payment was made on their website and I ask for them to send me a letter stating that it was their mistake so they can't take action against me. They tell me that they will send one out to me and I have yet to ever receive one. They do not send statements to me at all even when I have asked. When I asked who I could talk to about a complaint about the way she spoke to me she informed me that it would be her that I would talk to and so she would note that I was rude by interrupting her when she was trying to help me ( which she wasn't because I had already made my payment and they had already been paid for it weeks ago ) at this point, I was upset so I called her a XXXX and then she also said she would report me to her employer for using that word when she was only trying to help. She was rude, unprofessional, aggressive, and I don't believe as a consumer I should have to deal with that kind of person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified. The most recent being case XXXX where the issue was rectified and closed. You will notice in the response that XXXX did not dispute this information and TrnsUnion agreed with my information. I noticed today that the information was added BACK to my credit report. This again is in regards to a BALLOON loan which can be late only once and the time late can be updated but it would still constitute ONE late payment. I have attached the previous TransUnion response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

CCB Credit Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as XXXX XXXX XXXX XXXX and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were CCB Credit Services on behalf of XXXX. They constantly call and harass me at work and will not stop.
Product: Credit card

Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.
Product: Student loan

I have been dealing with Mohela the past few years and their service is very inefficient and has cost me many months of work that could count towards PSLF but their service is slow and inefficient and this is costing me time and money. 
The last time I contacted Mohela was in XX/XX/2024 and this was about removing me from forbearance and putting me in a repayment plan for PSLF. They said to contact studentaid.gov. Studentaid has nothing to do with how the loans are handled. 
I was placed on in school forbearance from XX/XX/2024. I was both working XX/XX/XXXXXXXX XXXX XXXX but willing to do payments that count towards forgiveness. I talked to Mohela and requested those months to be placed on a repayment plan but they did not do anything. I waited 90 days and nothing changed on my account. I have been trying to contact Mohela by phone but they make me wait for 30 minutes each time I call and are not able to resolve the issue. The personnel is not well trained and does not know specifics on why this happened or how to fix it, they refer me to other departments and " special assistance ''. Nobody has been able to solve this issue and I keep losing months that I am working full time that could count towards my PSLF.
Product: Credit reporting or other personal consumer reports

Experian has illegal information about my credit I never authorized. I want it to be removed from all credit bureaus because some of the information is false and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, XXXX, Experian, and XXXX after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquired about a camper from XXXXXXXX XXXX  of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX XXXX XXXX onXX/XX/19, XXXXXXXX XXXX  on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX on XX/XX/2019, and XXXX XXXX XXXX on XX/XX/2019. I now have all of these hard pulls against my credit that I did not authorize!
Product: Credit reporting or other personal consumer reports

I see a lot of hard inquiries and collections on my report that Im not aware of I tried to resolve it but no actions been taken
Product: Debt collection

Hello I tried disputing Navy Federal off my XXXX report. This have been a fraudulent item reporting. It's been over 30 days and I have yet to receive any letter updates of proof that the debt belongs to me. Can you please remove this of my credit report.
Product: Money transfer, virtual currency, or money service

XXXXam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Credence Resource Management said they sent me a validation letter on XX/XX/XXXX I have not received any kind of notice from them about my account
Product: Credit card

I purchased a product from XXXX in XX/XX/XXXX. I received the product, however it did not fit my oven. I returned the product back to XXXX, and they confirmed receipt via XXXX tracking. The merchant would like to refund my purchase price of {$160.00} but is unwilling to do so until PayPal Credit confirms with PayPal, that the dispute is closed. I have asked PayPal on XX/XX/XXXX via conference call between PayPal Credit and PayPal, with supervisors from both organizations on the call to close the dispute. PayPal said they can not close the dispute until they receive correspondence form PayPal Credit. PayPal Credit said that they mailed a letter on XX/XX/XXXX and to wait about XXXX  days. I called back on XX/XX/XXXX after not receiving a letter, and asked that the letter be emailed to me, and they indicated that they would within XXXX hours. On XX/XX/XXXX I called PayPal Credit again since I had not receive the email confirming that the dispute is closed. PayPal Credit claims that they have sent XXXX letters to my home address and send several email as well to confirm that the dispute has been closed, however ( to date ) I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuse to to remove negative information off my report first off its paid for second they are not updating fast enough and I keep getting denied. Its harming my way of life and movement. Its keeping me stuck
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not have permissible purpose to report anything negative to My consumers credit report. If it doesnt benefit me, it shouldnt be reported. As a consumer, I have the right to privacy. Experian isnt allowed to report late payments along with negative inquiries to my consumers credit report. Experian is in violation of the U.S. CODES. I do not and for future reference will not give Experian, along with the rest of the credit bureaus my written instructions to report anything negative to my consumers credit report. Experian should not take information from third parties and report it to my consumers credit report. Thats aggravated identity theft. No consent is also identity theft! I am the original creditor and Im the only one who can extend credit.
Product: Mortgage

I had a mortgage through Lender Live  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  PA  XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance.     In  XXXX   XXXX  Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed.     In  XXXX  of  XXXX  I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well.     The property taxes were due on  XXXX   XXXX . Lender Live sold our loan effective  XXXX   XXXX  and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance.     I think Lender Live is horribly disorganized and irresponsible.
Product: Credit card

Syncronyc Bank Account XXXX XXXX XXXX They have reported me to the credit agency without my knowledge, even though I am up to date with my payments. I told them if I am up to date they can withdraw it, they don't tell me, then I told them I will pass it on to the supervisor, she says it is normal but I am up to date, they have never informed me that they were going to report me and for them it is normal. Therefore I request that the Bank be investigated and sanctioned
Product: Debt collection

I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.
Product: Credit card or prepaid card

Ive been trying to use my XXXXXXXX XXXX card all morning today XXXX to no avail. I called customer service XXXX  times, and I found the number for executive office. Nobody could help me. They said in order to verify my account they have to send a letter to my house that takes 7-10 business days. What the XXXX is that? I need to use my account today. You have all my info. Name. Date of birth. Number. Social. How is sending a letter to my house going to verify anything? I would like for the Consumer Financial Protection Bureau to publish this so people know Citi is horrible as a bank and wont even let you use your own card.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Midland Credit Management INC
Product: Credit card or prepaid card

I purchased a {$200.00} prepaid gift card ( Visa # XXXX XXXX XXXX XXXX ) at XXXX XXXX so I could buy products on XXXX. XXXX would not accept the card because it was a debit card.. I checked the balance and reset the pass code. The system said there was {$200.00} on the card. I then tried to buy groceries at XXXX XXXX with the card. They also said there was an issue with the card and I should just go to an ATM and take out cash. This morning I went to XXXX  XXXX XXXX and tried to withdraw {$100.00} as a test. It would not work. Blackhawk Networks is the administrator of this card but they will not accept calls. They only have an automated system. Their home office is also a dead end for phone calls. I believe they are a crooked organization. Please help.
Product: Mortgage

Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt of late payments with Ava Finance. They are violating my rights to have late payments on my credit report. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than order to avoid imposition of that finance charge.