23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.
Product: Credit reporting

I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.
Product: Money transfer, virtual currency, or money service

I had been in communication with a seller of a product, and when asked to send the money for said product it was sent. Upon them receiving this money they then asked for more and more as they gave me excuses as to why they kept needing more money in order to give me my product. I reached out to PNC customer service to get them to reverse the charges and they told me there was nothing they could do. The fact that accounts for XXXX are not double/triple checked for fraud prevention is unacceptable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls uder XXXX XXXX  accourding to XXXX XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts : XXXX XXXX XXXX, XXXX. {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX XXXX MI XXXX XXXX  XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9100.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity.

Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA.

Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 


Company : XXXX XXXXXXXX XXXX
Product: Mortgage

Back in XX/XX/XXXX I got very ill ( i 'm a XXXX ) lost my job and my family was helping me pay my mortgage and bills. I got a modification offer letter from my bank offering to modify my current negative amortization loan for a stable loan with low monthly payment and for the current value of the property. I called XXXX XXXX XXXX my mortgagor and I was told that i would not qualify unless i 'm behind on payments for my mortgage. I had a perfect credit with XXXX scores which took me years to build and now I had to default in order to save my house. So per XXXX XXXX XXXX 's advise I did ... .I have been trying to modify my current existing neg am mortgage with my bank- XXXX XXXX XXXX for the past 4 years now. My current loan amount is over XXXX and my appraised value of the property is not even XXXX. Select portfolio services a note servicer for XXXX XXXX XXXX served me with a notice of default in XX/XX/XXXX. I applied for mediation in XXXX. I got approved for a reverse mortgage in the amount of XXXX and we sent in a pay off offer for XXXX for the current loan. SPS declined the pay off offer and countered us to send in a new pay off offer for the amount of XXXX which we did. Then they declined that offer as well, did a new appraisal and are demanding the full pay off for the current note which is XXXX. The property is over 50 % under value, I currently have a negative amortization loan which is going up every month. My house is a full rebuilt from fire has several structural defects and bank keeps asking me to resend documentations to them over and over. I 'm XXXX years old on ssi low income, my house is all I have left and keeping with with reverse mortgage would be only option for me. SPS now is asking me to send them a new pay off offer, new financial statement, new bank statements, new ssi award letter .... I have been faxing them a full set of documents as they request for the past 2 years now. It takes them 2-3 months to review and they get back to me stating that I need to send in a different pay off offer letter XXXX last XXXX I sent was for XXXX and they countered me to send them a pay off offer for XXXX AND a new set of bank statements, XXXX award letter and etc, because what they have in the file is now over 2 months old. I feel like this is a formality and nobody really cares or gives me a clear answer on what needs to be done to either modify or refinance this loan. I 'm very exhausted and now since they denied the last pay off offer through mediation which was for the exact amount that they requested, I now have an " important notice '' from the supreme court of NV stating that they will issue a certificate of foreclosure on or about XXXX XXXX ... PLEASE HELP ME! I DO N'T WANT TO GO HOMELESS AT MY AGE AND CONDITION!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Experian regarding their failure to properly address the inaccuracies in my credit report despite my formal disputes. I initially sent dispute letters to each bureau on XX/XX/year>, outlining the inaccurate information being reported. As of today, more than 30 days have passed, and no sufficient verification has been provided. The inaccurate items remain on my credit report, which continues to harm my financial standing and well-being. 

Disputed Accounts : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) ** In addition : XXXX is also reporting an unknown account ( Account Number : XXXX ), which does not belong to me and must be removed from my credit report. 
Despite my attempts to resolve these issues, I have not received the requested evidence verifying the accuracy of these accounts. As required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, the credit reporting agencies must ensure maximum accuracy and reinvestigate disputed information in a timely manner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three reporting bureaus to delete an account SYNCB/care credit opened XX/XX/2018 charge off of XXXX acct number XXXX. I did not open this account and have tried feverishly to have it removed with no success. I have also called that lender and they said they would do an investigation. I did an online dispute with XXXX and they sent me an errant email saying I cancel the transaction when I didnt. If you can have these removed from my credit report I would greatly appreciate it. My name is XXXX XXXX I live at XXXX XXXX XXXX, XXXX, CA XXXX. My phone is XXXX. Please advise if I need to provide any other information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has volated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX Account Experian XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Mortgage

Iberiabank transitioned certain mortgages to First Horizon at the end of XXXX. The last communication sent to me was on XX/XX/XXXX indicating that the transition was delayed into early XXXX. No further information was provided by First Horizon either by e-mail or paper notice as to 1 ) where to setup the account 2 ) The new loan number post-transition 3 ) Date the transition was effective or 4 ) How to setup automatic recurring payments through their site. As a result, the only indication that I received that my loan was now being administered by First Horizon was that I had a hit on my credit report for a delinquent loan. I had to call the company and go through customer service to figure out what had happened. I had received no electronic or paper notification of interest owed or that my previous bank account was no longer being auto-drawn to pay interest. Customer service also indicated that they had incorrectly set the first payment due date to XXXX instead of XXXX. I have received no assurance from First Horizon that they would correct the credit reporting - only that they would " review '' it. First Horizon did not properly communicate to previous Iberiabank customers relevant information required to allow customers to effectively continue payment on their loans unabated and made no effort to contact customers prior to taking credit reporting actions.
Product: Mortgage

Select Port Folio my mortgage servicer recently reported XX/XX/2018 my mortgage being 30-60 days delinquent. There is a {$550.00} advance that was disbursed to pay association dues that were delinquent prior to my mortgage assumption.

They reported the advance being delinquent and I've been set up on a monthly pay plan to reimburse Select Port Folio for the advance. This incorrect reporting for the advance is reflecting the mortgage being delinquent has affected my credit rating.
Product: Credit reporting or other personal consumer reports

Hello All, All my names are misspelled in all 3 credit bureaus, please see the following incorrect names. 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these names need to be removed, my correct name is : CORRECT NAME FIRS NAME : XXXX MIDLE NAME : XXXX LAST NAME : XXXX XXXX And my last two addresses need to be removed from my credit report please OLD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

I request that only my current address be seen is the following. 
XXXX XXXX XXXX XXXX XXXX XXXX, NORTH CAROLINA XXXX. 

Please see attached evidences. 



Thank you Best Regard
Product: Credit reporting or other personal consumer reports

The hard inquiries listed are on my credit report and they are inaccurate & not valid, i need these removed immediately. 
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 
The companies with 2xs beside it means those are reported twice on my credit as hard inquiries. I did not authorize any of these companies to run my credit. Attached is my FTC report.
Product: Student loan

I have been trying to get my two co-signers released for the past 10 years eventhoug I was doing all the right things. some of the reasons they denied to release my co-signers was, when sallimae transferred my accout to Navient " some of my loans fall off from the auto pay so it disrupt the requirement of 12 consecutive payments to release co-signer '' ; eventhough that was their fault. Second, one of the many agent I spoke to stated that the payment plan that I was place on doesn't allow co-signers to be released when actually that payment plan was offered by an agent who stated that it is the required payment plan to release co-signers. when i increased by payment plan. Because of the increased monthly payment I started strugging financially and started maxing out on my credit cards. I call navient again to ask other options and discuss my struggles to make the payment that was a required plan to release my co-signers. the agent I spoke to stated that " I don't know why your payment was increased, your payment plan before was required payment plan ''. the other reason was my " credit score was not in the accaptable range to release cosigners ''. How can a person maintain a good credit score when making a student loan payment more that a rent. I am not in good terms with my co-signers, they have a lot of resentments toward me and I don't blame them. One thing for sure though, If I new this would have happened to me, I would have not gone to college.
Product: Credit card

I recognize that from time to time credit card companies can review your usage etc. BUT WHY are they allowed to check without your knowledge or consent and reduce your credit limit enormously so you go from a 40 % debt to credit ratio to a 90 % or worse? Why are they allowed to single handedly decide and destroy your credit score, especially when you are below your credit limit and making payments ON TIME. 

This has happened to me with two issuing companies - Citi and XXXX. I am beyond annoyed and want to know how I, as the consumer, can rectify this practice. Again I would understand if I was delinquent or past due. If I was spending very close to my credit threshold but the fact that I wasn't and they reviewed and CUT MY CREDIT in half especially in the current economic environment is enraging.
Product: Credit reporting or other personal consumer reports

I was looking at my most recent credit report and noticed a company I have never done any business with reporting a collection account with a balance of {$2300.00}. I do not know who First Federal Credit Control is and have never given them permission to access or report anything to a third party using my informtation. I demand removal of this account as it has caused an extreme amount of damage to my profile resulting in credit denials based on this false info.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX  ( Original  Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX Reason : Unverified account Each account has multiple open dates/ INACCURATE INFORMATION on my credit report.I request that these account ( s ) are removed immediately.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the exclusion of any inaccurate accounts from my credit report. Can you verify the documentation? A few of the mentioned accounts are incorrect, causing unease.
Product: Credit card or prepaid card

Capital One Visa Card ending *** *** XXXX XXXX XXXX XXXX, PA XXXX Mobile XXXX Email XXXX I have had a credit card with this company for over 10 years. I have " always '' paid my account balance on time as to not accrue interest. I have moved away from using this card at the end of XXXX as they discontinued/ changed their rewards program. Knowing there were still some charges that would have occurred I felt as I receive my final statements, I would pay them off, use the balance of my reward points and close the account. If I closed the account prior to using the reward points I would lose them. 
I have a very large amount of reward points. 
" Since the beginning of XXXX I have not received a statement by either email or XXXX '' from XXXX for this account. I went on line to look into this, only to see fees and interest for unpaid balance. I immediately contacted XXXX ( XXXX XXXX ) to get an explanation. I was told on separate calls in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the statements were sent out electronically/ email. Today XX/XX/XXXX I spoke with a customer service rep that said my account was only electronic statements since I opened it, this is not true, it has always been paper. While on the phone I immediately paid my balance in full, including all fees and interest and locked the card so it could not be used. After 3 months of trying to resolve this, it was the most practical option. I then spoke to a supervisor at XXXX he said the change to electronic statements was made at the beginning of XXXX not when it was opened, this was different from the information I received for the initial rep I just spoke with. He also said that tech support at XXXX XXXX saw an error on the email statements, and they were not getting to me. He blamed it on a spam blocker at my end. XXXX XXXX response to the situation was not to contact me in an effort to resolve the issue, but rather just add on fees and interest, and freeze the reward points that I already earned, this is after repeated calls to rectify the situation. It is obvious that somewhere at the end of XXXX beginning of XXXX a change was made by XXXX XXXX to my account that resulted in me not receiving statements. Please note at no time was this a question of paying the charges that were made by me on my card, rather not receiving any notice that the bill was due. Then charging fees and interest and locking out my reward points so I could not access the remaining points. 
The fees and interest owed me are as follows Interest {$0.00} Interest {$5.00} Interest {$1.00} Interest {$17.00} {$26.00} Fees {$25.00} Total {$51.00} Owed to me I request that Capital One refund me the amount listed, as the error was made at their end and statements were not sent to me to allow me to pay my bill in a timely manner. 
Thank you, XXXX XXXX