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

Hello, I have many old charge offs from private student loans. The worst of them is XXXX. They have incorrectly reported my first date of delinquency. 
And payments are being shown as made, account current, or just plain no data showing at all. All these charge offs are XXXX XXXX XXXX and I have the payment history proof from my navient account to prove it. Most have a first date of delinquency as XX/XX/XXXX. A couple have XX/XX/XXXX. Both of which are old and should have fallen off. Experian and XXXX are showing a XX/XX/XXXX drop off date, which is incorrect. Please help me. 
This has ruined my life for so long. I have current disputes out through a credit repair company since XXXX with no luck, so I have recently disputed myself online. I have submitted my last payment made navient documentation so it should be a no brainer I dont understand. 
There are other private student loan issues. 
One account is very old with a first date of delinquency as XX/XX/XXXX but they keep reporting missed payments as newly missed reaging the debt. Account is XXXX. Another is XXXX and XXXX, also with original dates of delinquency in XXXX but they are showing XXXX, and I have no access to my account anymore to prove it. 
Please help me. These charge offs are so old and need to be removed. These loans were taken out as a student as early as XXXX. And the rest of my credit has been responsible after I got a good job and paid off what I could. Thank you. so much for helping me.
Product: Mortgage

Hello, Midland Mortgage Company is screwing me over! I am desperately needing help to argue that what my mortgage company is doing and has done to me is and should be illegal. I was approved for a loan modification in XXXX XXXX XXXX  which was to bring my loan completely current. But, in fact they decided to tack on a ton of fees that i shouldnt have even have happened on top of the loan that they say is past due and also the amount keeps going up instead of staying the same amount which is what the mortgage company told me it would do. They also told me that i did not have to pay that past due amount till the end of the loan, but it is on my credit and also i can not get assistance from any agencys because it shows that i have a past due amount of over XXXX XXXX XXXX right after i had been approved for a modification! After all this I wasnt even supposed to have any fees at all since the application for a loan modification was supposed to put the whole account on hold while the application was being processed so that too should have been illegal. Please help!!
Product: Debt collection

I am not liable for this debt with charter communications, I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the data breach, and since then Ive been an victim of true identity fraud. I have unknown credit cards on my credit report from XXXX XXXX XXXX XXXX, discover credit card
Product: Credit reporting or other personal consumer reports

I sent several letters with proof of identity as well to dispute an account i believe are inaccurate. They have only sent one stall letter and have not responded to the other or acknowledge an investigation has begun. I am growing tired and frustrated.
Product: Credit card or prepaid card

Kohls Department Store calls my work number often as well as my cell phone. My cell phone is all right, but since I ca n't answer it during the day at my front desk office job, and no privacy available for personal matters, I told them I ca n't talk to them on that line. Today ( X/XX/17 ) when I got back from a meeting, my XXXX XXXX who is working to answer phones in our office this summer ( I work at a XXXXXX ) told me that Kohl 's Department Store called and was looking for me, and that I should call them back - yet they left no name or number with her. My student did say it was a woman calling. There is NO reason a creditor should call my place of work and for privacy reasons ask ANYONE about me, especially a current college XXXX! I feel my privacy rights have been invaded. Are n't there rights I have at work to keep my account with Kohls confidential, especially telling information to our XXXX that pay tuition to go to our college? This is very uncomfortable for me to get a message like this from my XXXX worker, therefore I am putting in this lack of privacy when dealing with a business matter complaint with you. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a business credit card with American Express. On XXXX XXXX I paid {$12000.00} to pay off the balance. After that the credit card company decided to close my account. In following two months I received the statements with XXXX balance. I was not able to use the card as it was already closed. 
Surprisingly for me I received the statement for XXXX ( for the XXXX month after closing ) in which it is shows that the adjustment was been made and the payment for {$12000.00} was been returned. First off all I did not authorize the American Express to reverse my payment and second how did they act without notifying me first. 
I am attaching the last 3 months statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, TransUnion and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 506b. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this accounts? Here are the following accounts that are needs to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

We were approved for 3month Covid-19 forbearance in 2020 XXXX, XXXX, XXXX. We have paid every payment since the end of 2020 's 3 month forbearance period on time although we have been reported as 120 days late since the forbearance period and no data for all payments in the past year and a half have been reported to the credit bureau. Us and our housing counselor have been in contact with Dovenmuehle Mortgage and XXXX XXXX XXXX XXXX monthly to address this issue but it does not get corrected so mine and my wife 's credit score continues to drop as a result of the error on reporting
Product: Credit card

After closing my Citi Forward Credit Card, the Thank You Reward account associated with it was deactivated after 60 days and all the accumulated reward points were expired. I was never been verbally told or received any document in written about this fact. I contacted Citi customer service. The representative said there is nothing Citi can do about those points although they did n't do the obligation to notify me the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year in 2019 I disputed with all three of the credit reporting agency about an inaccurate report on a XXXX account. The dispute was pretty much ignored, when I notified them last week ( XX/XX/2019 ) that they ignored the dispute they submitted another dispute. I called XXXX they recognized the error and said " sorry. '' XXXX removed it because they realized they'd all made this mistake, I'm not sure what XXXX is going to do yet because I haven't received their reply yet. However, equifax did and update on the credit report instead of removing it for an inaccuracy being reported on my credit report for more than 30 days even after I attempted to fix earlier. The proper response would have been that they remove the inaccuracy because it reported way past the 30-day mark ( like 8 months ) after my initial notification.
Product: Payday loan, title loan, personal loan, or advance loan

Went to a American First Finance for furniture. It was around the holidays, I applied for a line of credit which I received to purchase the furniture. Their was a Pay to lease, I realize that there was only 110 days to payoff the original cost of {$2300.00}. I pay XXXX every XXXX weeks. It is months after this time line. I have called multiple times to work out a deal. The first deal was a settlement of XXXX, XXXX dollars. Which they claimed XXXX, XXXX was remaining due to the leasing agreement. I found this unacceptable due to the furniture cost and That 110 days was not a sufficient amount of time. I called a second time, spoke with a supervisor and explained the situation I had XXXX XXXX and needed to pause payments. The supervisor offered me a XXXX dollar settlement on top of what I have already paid. The deal was that I only had 30 days to pay this and could ask for an extension. I just cant get the money together. They call and text non-stop. Now my credit is on the line, while I search for a home. How is this allowed, they set me up to a contract that is impossible. In the end they get their money, They have my banking account information, my credit negatively effected. I mean their basically making me pay XXXX dollars. It's just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are not updating my XXXX XXXX score & its affecting my ability to obtain a loan from the Small Business Administration to be able to obtain the EIDL. I need those 3 scores updated & rescored immediately so that I can get this approved. There is a 100 point difference & its making me look like an unworthy & irresponsible lender as well as human being. My FICO scores are in the XXXX but the XXXX  XXXX is in the low XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see some incorrect accounts show up on my credit report, and I cant understand how this even happened. I always check my report, and today there were suddenly errors for no apparent reason. I tried refreshing the browser, thinking it might just be a mistake, but the issue didnt go away. These inaccurate accounts remained, and its really troubling me. Im asking for a careful review of my documents so I can stop stressing over this once and for all.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Inaccurate and Unverifiable Information Account XXXX To Whom It May Concern, I am writing to request the immediate deletion of an account from my Equifax credit report due to significant inaccuracies and unverifiable information. The account details are as follows : Account Name XXXX XXXX Account Number : XXXX This account violates my rights under the Fair Credit Reporting Act ( FCRA ) in several ways, as outlined below : 1. Reporting of Late Payments on an " Open '' Account The account is marked as " Open '' with a balance owed of {$450.00}, yet it also reports a payment status of " Late 120 Days '' with multiple instances of late payments over two years.

Under FCRA Section 1681e ( b ), information must be reported accurately and without internal contradictions. An account can not simultaneously be " XXXX '' and " XXXX XXXX XXXX  '' for an extended period. This inconsistency demonstrates that the account information is unreliable and must be deleted. 

2. Missing and Unverifiable Information The following essential details are missing from the account : Original Creditor : Not provided ( " -- '' ).

Creditor Type : Listed as " Factoring Companies, '' which is often associated with third-party debt collectors. 

Under FCRA Section 1681i ( a ) ( 1 ), credit reporting agencies must delete any information that can not be verified. The absence of an original creditor and vague classification as a factoring company render this account unverifiable.

3. Inaccurate Payment History Reporting The two-year payment history reported for this account reflects late payments without proper context or verification. Equifax lists the account as " Late 90 Days '' in 20 separate instances, which is excessive and clearly erroneous.

Under FCRA Section 1681c ( a ), adverse information should be reported accurately. The repeated reporting of late payments without clarification violates my rights and misrepresents my creditworthiness.

4. Dispute Notation Issue Equifax states, " Consumer disputes after resolution, '' but fails to provide evidence of a proper resolution. The dispute notation further demonstrates that the account is unresolved and unverifiable, requiring its deletion per FCRA Section 1681i ( a ) ( 5 ) ( A ). 

XXXX. Date Discrepancies Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX The account reports activity in XXXX but lists it as " Open '' as of XXXX. This significant time gap without payments, combined with the lack of creditor-provided updates, makes the account unverifiable.
Product: Mortgage

I wanted to refinance my loan for a lower interest rate. I had been XXXXXXXX XXXX Wells Fargo for XXXX months. I was all set to close after XXXX months and was told that because of a prior bankruptcy I was not eligible to refinance. I was told in the beginning I could skip XXXX payments. I was told right after the denial that my house would be foreclosed on if the payments werent made. So my XXXX children and myself were forced to move
Product: Debt collection

My daughter was seen by a XXXX XXXX. And XXXX XXXX fell to properly bill my private insurance and also Medicaid. For the balance out of know where i see the bill on my credit report. XXXX XXXX was suppose to bill my daughters Medicaid For the balance
Product: Credit card or prepaid card

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX - XXXX store Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit report has been outstanding for the last couple of years as i plan on opening a business soon. I have 2 student loans with XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) and upon contacting them through phone calls couple times, their associate gave me the wrong information misleading me on what i can do. They said that they don't report to credit reporting agencies unless it is over 120 days late. Fast forward to couple weeks ago when i talked to an associate again, i stated that my account is late but i am in the process of apply for a deferment. I specifically asked if i need to make a payment just in case or it will be ok and the associate said that " you don't need to make a payment and we don't report to credit reporting agencies unless it is couple months late and your account still have time so you should be ok '', misleading me with the wrong information again. So i asked again to make sure and the associate states that she is " sure '' meanwhile my wife is with me listening to it as we both made sure the problem is taken care of.. 

I have always paid my bills on time and because of this misleading info. from a poorly trained customer representative, my credit was so badly affected negatively and thus my dream of opening a business soon is hindered. I believe that although i don't have any proof as the communication is through direct phone calls and not email or paper, i should be given a second chance especially since it is not my fault, and that i called in to talk and asked about my loan, i have the intention to pay it, and that my credit history has been excellent. 

Upon contacting Transunion and XXXX XXXXXXXX XXXX, none of the company is willing to resolve my problem. I need help in getting this fixed as it reflects my integrity and trustworthiness as being negative.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding [ Experian, XXXX, or Both ] and their failure to conduct a reasonable and thorough investigation into disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. Despite submitting evidence of payment and disputing the inaccuracies, certain accounts remain on my credit report, which is a violation of my rights under the FCRA. 

Details of My Dispute I have disputed the following accounts with the credit bureaus : 1. Account Name : XXXX XXXX ( Government Overpayment ) Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, listed as open with a balance of {$1400.00}, was fully paid as of XX/XX/year>2024. Despite providing proof of payment, the credit bureaus failed to remove or accurately update this account during their investigation. 
2. Account Name : XXXX XXXX Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, reported as 120+ days past due with a balance of {$2900.00}, was closed by the credit grantor. The investigation failed to verify the validity of the past-due payments, nor were my supporting documents addressed.

FCRA Violations The following violations have occurred : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Credit bureaus must conduct a proper investigation into disputed accounts within 30 days. My disputes were not handled thoroughly, as the status of the DFAS account and others remain inaccurate.

2. Failure to Remove Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Information that can not be verified within the investigation period must be removed. The XXXX account, which I have paid in full, remains on my report with an incorrect balance. 
3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus failed to ensure the accuracy of the information reported by data furnishers, allowing these errors to persist and harm my creditworthiness.

Requested Resolution I respectfully request the CFPB to take the following actions : 1. Remove the XXXX account entirely from my credit report or update it to reflect a {$0.00} balance and Paid status. 
2. Direct the removal of the XXXX XXXX account if it can not be verified or updated accurately. 
3. Require a detailed explanation of how the disputes were handled and what evidence was reviewed. 
4. Ensure compliance with the FCRA and provide written confirmation of the deletions or updates. 

The unresolved inaccuracies on my credit report have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I trust the CFPB will intervene to ensure my rights under the FCRA are upheld. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
Product: Money transfer, virtual currency, or money service

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.
Product: Mortgage

On XX/XX/26 I called and spoke to XXXX with Loancare and explained I was submitting a mortgage assistance application for a XXXX  plan. I submitted a hardship letter with an explanation that my foundation needs to be repaired at an estimated cost of XXXX. I need to be out of the house and pay for other living arrangements. I was told I would be reviewed for a XXXX  plan. I called on XXXX and was told by a representative that I am only be reviewed for a loan modification. A loan modification will not help me at this point.