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

Midland Funding LLC keeps reviving a debt fr om 2007. It is harming my credit score.
Product: Credit reporting or other personal consumer reports

Please correct the information that was listed on my credit report.
Product: Credit card

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights. 

15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Product: Mortgage

This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure
Product: Credit card

I filed bankruptcy which was discharged in 2014. Capital One reported this as discharged when the discharge took place. Capital One continues to post new negatives on my credit report monthly even thought this account was discharged and the credit card was cancelled. I know the initial negative will stay on my credit report for 7-10 years. Is Capital One allowed to continue reporting new negative information? If so, this new negative will stay on my credit report way past the 7-10 year time frame. How do I make this stop?
Product: Checking or savings account

I disputed some unauthorized transactions and the company denied my dispute without investigation nothing was done at all despite me providing a police report and all! Dispute # XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} The XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} The XXXX XXXX Balance : {$1300.00} XXXX, XXXX. XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am urgently filing a complaint regarding fraudulent accounts and inquiries on my credit report caused by identity theft, which have severely impacted my financial well-being. The accounts in question, including but not limited to XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and others, were opened without my authorization, and several associated addresses, such as XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX are not linked to me and must be removed. These accounts contain inconsistent information across XXXX, XXXX, and TransUnion, violating 15 U.S.C. 1681e ( b ), which mandates accuracy in reporting. Creditors have also failed to notify me within the required 5-day period under 15 U.S.C. 1692g and have not validated the debts despite repeated requests, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ). Under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of this fraudulent information. Despite submitting supporting documentation, including a police report, proof of identity, and certified dispute letters, no corrective action has been taken. I demand the immediate removal of these fraudulent accounts and inquiries, as their continued presence violates federal law and has caused significant harm. Failure to act promptly will leave me no choice but to pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXl XXXX nb is showing a balance of XXXX when it was sent to collections in XXXX   should be XXXX bal this being reported by equifax
Product: Student loan

I received notice that Navient had purchased my student loan from XXXX. I created a profile on the Navient website and set up my account with them as directed. I made my first payment of {$1.00} as a test payment ( bank verified ) and then set up Auto-pay for my first regular installment to be debited on XX/XX/XXXX. 

The first installment payment was not taken, but their website showed it was. On XX/XX/XXXX I  contacted my bank ( XXXX XXXX XXXX XXXX ) to verify and have documentation as a 3rd party regarding this issue with Navient. XXXX verified the {$1.00} test payment I made, but said Navient has not tried to debit my regular installment payment. When I contacted Navient by phone they said they couldn't view this information and that maybe I have provided the wrong banking information. They said if the bank information is wrong then it could take up to 10 days for a payment to be completed. They had no other explanation when I informed them that I had already spoken with my bank and and gave them the details. The phone rep told me to wait for the payment to be taken. 

On XX/XX/XXXX, I sent a written complaint for follow up through the Navient portal because the problem is still not fixed and no one has gotten back with me as I requested. Navient 's website shows the first installment payment received on XX/XX/XXXX, but now shows a late payment on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX from Navient replied that they are " still working '' on my account and need to " research '' my account. I followed up with via email with XXXX on XX/XX/XXXX and again yesterday evening XX/XX/XXXX and my account is still not fixed and I have nor received an update as requested. 

I have also request documents to show proof that they actually do own this loan, which has not been addressed.
Product: Payday loan, title loan, or personal loan

In early XXXX I recceived a XXXX loan of {$250.00} and was to pay it back in 2 weeks. The day it was due in midXXXX I was not able to pay it back. After the due date I spoke with the XXXX Mgr, XXXX at the XXXX Store and explained the problem why I could not pay yet and I hope to pay soon. XXXX, XXXX Mgr. said to keep in touch. Unknown to me when talking to her the XXXX store had been calling my employer. Sometimes the XXXX lender would call my employer and hang up just enough to annoy my employer. I finally got reprimanded and am looking for another job. The company is XXXX XXXX XXXX of California. I think this action is unfair. They contacted my employer and references within a week of being late on the payment.
Product: Debt collection

Upon pulling my Annual Credit Report i have noticed a listing with XXXX credit bureau from Eastern Account Systems for XXXX. The listing stated under the comments that is was for XXXX XXXX service. I submitted a dispute with XXXX Credit bureau because i do not recall ever owing a bill to XXXX XXXX service provider. I have recently acquired an account with XXXX XXXX for Internet and cable services. Upon applying for service the representative pulled my credit to be sure i would get approved for service with them. I told the representative about the alleged bill with Eastern Account Systems that is listed on my credit reports for an account with them and asked would he be able to see if i owed them a balance internally. The representative informed me that after doing an extensive search with my social and name that he did not see anything in their system for me. He also informed me that if i had an old account with them that is not showing up in their system it would ONLY be because the account is outside of the statute of limitations. A debt that long ago XXXX legally could not go after and that would not keep new customers from opening new accounts with XXXX. He also stated that i should definitely look into this matter because this account was not ASSIGNED to Eastern Account Systems by them and that if this debt happened to be ours it is by now outside of the statute of limitations for any collection agency to collect on anyway!! He also stated that this agency should know the collection laws and should be abiding by them.
Product: Student loan

Hello, I was student at XXXX college and school was closed before I got to grauduate. I applied for loan discharge with XXXX and those loans are supposed to be forgiven soon but I still have a balance with genesis lending about XXXX $ and I was told that I am responsible for this loan even if my school closed on me. I think this is unfair, I suffered enough already, waisted 2 years of my life and now I have to start all over again and have to repay closed school balance. Genesis lending loans have to be forgiven too.
Product: Mortgage

Attempted to close my HELOC and provided incorrect information on numerous occasions, even after payoff amount was wire transferred to the company. Talked to 5 different individuals in their Home Equity Escalation Depr alone. I have no confidence that any information from this company is accurate ir will be acted on responsibly. This issue was a result of a Hack and I am concerned that the HELOC account may be available for fraud if it is not promptly closed
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws. 

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. 

Thank you for your time and help in this matter.
Product: Checking or savings account

I am a victim of identity theft. On XX/XX/2021, I received in the mail a new debit Mastercard for a new checking account at E-Trade Bank that I did NOT open. I immediately called E-Trade, waited 30 minutes on hold, and the rep told me that the account was " restricted '' and that he couldn't close it but it would 'eventually ' be closed. I asked that the fraud dept ( which was not avail on a Saturday apparently XXXX contact me. By XX/XX/2021, I still had not heard anything, so I called again. The rep again told me that the account was 'restricted '. She tried to close it for me but was not allowed to close the account. She stated that the 'restricted ' account could be opened if identifying documents were faxed in. I told her that since the fraudsters have all of my information, they could easily make and fax in false documents. She offered to transfer me to the fraud department but noted that their wait time on hold was 47 minutes. She said she would put my information in the queue and someone from Fraud would call me that day or the next day. No one ever called. 
I also submitted a request via email ( XXXX ) and received no reply. 
I want this account closed. I do not want to sit on hold with ETrade anymore. I want them too have easier access for consumers to the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recently deleted account was illegally restored to my TransUnion and XXXX credit file. I have challenged this debt to both credit bureaus with supporting documents. XXXX has taken responsibility for their inaccurate reports. However, TransUnion conducted a 4-day investigation. A thorough investigation will take approximately 30 days to determine the validity of the account. According to a representative of TransUnion, this led to an investigation. That takes a long time. The credit agency would undergo correspondence with the collection agency and the original creditor, to gather supporting documents. So, I don't think there ever was an investigation. On XX/XX/2022, I sent another letter to TransUnion asking how the account was verified and what documents or contracts were used to consider this account verified. I received a letter from TransUnion that said, " I don't understand the nature of this letter. '' Standoff tactics. I will attach the XXXX and TransUnion reports. Which contains several inaccuracies and inconsistencies. " Supposedly '' this account was verified, I don't know how. If so, where's the evidence proving this account as valid.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a Experian a joint account my part was taken care off its my ex husband but it got charge off/written off XXXX $ XXXX Fed XXXX XXXX XXXX Its shows more than XXXX and the other shows clear also not on the othe creditXXXX XXXX XXXX then XXXX Bank acct XXXX written off was forgiven the acct also XXXX Fed XXXX XXXX acct XXXX XXXX $ written off
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In the process of filling the online application my internet went of amd I dod not finish the application. Did not accept terms and conditions of the financial instirution amd did not accepted credit indagation. Today I recived the indagation notification. Called to the institution, Islad Finance and the responder dpnt let me explain that i do not finished the aplication and do not accepted the terms to submit the aplicarion and all she sayd was, Call XXXX XXXX.