23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I already have disputed this account multiple times for the last XXXX  months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Mortgage

When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. 

I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. 

In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted over 30 times to correct these inaccuracies on my credit report. I also have certified mail receipts and there are only two negatively impacting accounts on my credit ( XXXX XXXX and XXXX ) that are not mine I take my credit worthiness extremely serious and I am now at the point of moving forward with legal action for defamation of character if these items are not deleted.
Product: Credit reporting or other personal consumer reports

OPPITY FIN TransUnion XXXX XXXX Account # : XXXX Balance : {$2900.00} {$2900.00} The above company is reporting a balance on a disputed account. I am writing to formally dispute an inaccuracy on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. This dispute is also in alignment with XXXX XXXX compliance standards which mandate accurate and complete credit reporting by furnishers of credit information. The late payment and or balance on an account with XXXX XXXX. This information is incorrect because the account has been charged-off. { A discharge of an obligation or debt, and part payment, if accepted, is a discharge pro tanto. Hattrem v. Burdick, 138 Or.600. 6 P.2d 18. 19. } .Under the FCRA , specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies within a reasonable time frame. Additionally, XXXX XXXX compliance guidelines stipulate that all information reported must be accurate and up-to-date. Please conduct a thorough investigation into this matter and correct the erroneous information. I have enclosed copies of relevant documents to support my claim. Additionally, under the FCRA, you are required to notify me of the results of your investigation and provide a revised copy of my credit report reflecting the corrections. Please acknowledge receipt of this letter and let me know the next steps. Should you need any further information, see attachments! 

Thank you for your prompt attention to this matter.
Product: Debt collection

filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

Apple card ( Goldman ) reported a delinquency for a disputed charge XX/XX/19 for a business I did not go to. They finally cleared the disputed amount however it shows that I was delinquent and reported it to the credit bureaus. It had a major impact on my credit score. It was a charge for a restaurant called XXXX XXXX XXXX. 

I made multiple calls and they had someone call me many times to make attempts to collect each time I explained that I did not owe this. This has gone on for months
Product: Mortgage

Did a loan modification after 3 required payments were made. They then sent documents to sign with notary and sent back which were done. I am now locked out of my account and can not make payment over the phone. Did reach customer service and was told they did not get 2 of the 3 required payments when I was told a month before that they did get them. I show they cleared my account. We have good equity in our home and feel they are trying to take our home even though we did everything we were needed to do. None of this was disclosed to us until I contacted them. I would like legal help. I would make payment over the phone and the amount was taken from our account but then they would also take another amount that was not authorized and was declined so thats why they are telling me I am not current when I show I am. Locking me out of the website so I cant see what is going on should be illegal
Product: Credit reporting or other personal consumer reports

Multiple banks are having an issue with pulling the proper credit report. All of them seem to be pulling different information. I recently filed a complaint about a bank pulling information that was supposedly removed from my file and that Equifax could not see. 

Also, on XX/XX/2024, I logged into to check my equifax report and learned that all of my tradelines disappeared. I could not see them online. 

After some research, I realized the problem. I have a split credit file and it needs to be manually rebuilt by you all. I'm attaching all the information you need to rebuild my file properly by attached old credit reports and supporting docs.
Product: Debt collection

* In a letter dated XX/XX/2019 requesting Debt Validation and Proof of Claim. Consumer Portfolio XXXX responded with a letter dated XX/XX/2019 with a document as proof of Dept. 
* I responded in a letter dated XX/XX/2019 with the following errors on that document : ( 1 ) There are two ( 2 ) different mailing addresses associated with the document. 

( 2 ) Based on the amortization of the loan on page one ( 1 ) of the Sale Contract, the balance owed is not in accordance with the interest rate stated and the terms laid out in the Sale Contract. 

( 3 ) The document provided was substantially different from the one we were able to obtain from Originator of the debt. In essence, a fraudulent document. 

* Consumer Portfolio Solutions, Inc letter dated XX/XX/2019, stated that " Your letter is substantially the same as a dispute that was previously submitted by you or on your behalf, either directly to us or through a consumer reporting agency, without additional or different information needed to investigate the dispute, and which we have already provided a satisfactory response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Mortgage

On XX/XX/2024 I contacted Newrez Loan Servicing by email. I requested to have my XXXX removed from my loan since I reached the threshold of this being able to occur. I spoke with my prior mortgage finance company three years prior ( before Newrez purchased my mortgage ) and they advised I would need to be living in my house for 3 years along with the loan to value falling below 80 % before XXXX could be removed. These requirements have both occurred and Newrez instructed me I would need to put that request in an email. On XX/XX/2024, Newrez emailed advising they received my request. I followed up on the request a few weeks later over the telephone with loan servicing and was told that Newrez will not remove the XXXX off my loan because of how bad the economy is and that it would cost me {$800.00} to request to have my loan looked at but in their opinion they are not seeing Newrez remove the XXXX for anyone as of lately. The customer service rep. advised she would send me the documentation to complete, but ultimately the XXXX  would not be removed.
Product: Student loan

I've been in the process of XXXX loan forgiveness. Was transferred from XXXX  to mohela even though I was already past the XXXX payments. Everything is taking months to process, it's impossible to get someone on the phone to explain what is happening, and the entire process has been the least transparent experience I've ever had with any loan or financial service in my life. It's not all on Mohela, also dept of ed., but it seriously undermines the entire point of the reforms to the system in the first place.
Product: Debt collection

In XXXX 2015 I reviewed my credit report from the XXXX credit agencies and found inconsistencies regarding medical debts. I wrote letters ( attached ) and Central Financial Control responded with inaccurate information. I am requesting assistance for Central Financial Control to validate these debts. I asked for information and it was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Westlake financial Acct # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
27.5K 378 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do not owe XXXX XXXX XXXX. Reporting on my credit report as being closed in XX/XX/XXXX I did not use XXXX dollars I am disputing because I requested this account to be closed XX/XX/XXXX and they failed to do so. The account is with collections agency XXXX and this is the correspondence I sent to them. On XXXX XXXX. 

To whom it may concern : I XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Reference XXXX XXXX # XXXX I am writing to dispute the account referenced above. I have disputed this account information prior to today which is XX/XX/XXXX inaccurate with you and you have returned correspondence to me and stated you were able to verify these debts. How is this possible? Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and have been unable to get them to verify the information that they are reporting to you, they have not even verified that these are indeed my debts. 

This debt is not mine and I was given no evidence of my obligation to pay these debts to this creditor. I would like proof and not a computer generated print out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

I request that you send me a copy of my updated credit report showing the elimination of the items mentioned above. This copy must be provided free, according to 15 USC section 1681j. 

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681o of the Fair Credit Reporting Act, Civil liability for willful noncompliance. You credit may be liable for : 1 ) Any actual damages I sustain by your failure to delete the items 2 ) Defamation 3 ) Violation of the Fair Credit Reporting Act 4 ) punitive damages as the court may allow 5 ) costs of the court action, plus attorneys fees Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to XXXX  ; XXXX and Transunion a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Debt collection

The company reported account with Negative information on my credit report XXXX report was found on my credit report that is fraud issues and is identy thief I has depute this issue to the company regarding this matter XX/XX/XXXX {$1000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$680.00} XX/XX/XXXX XXXX XX/XX/XXXX {$180.00} XX/XX/XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified XXXX of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau Equifax was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified XXXX multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to XXXX that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of XXXX 's incorrect reporting and refusal to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me and should not be on my Equifax file. This is fraud. These companies have never provided a method of verification. These accounts should be deleted from my credit file today.
Product: Checking or savings account

I had money in the City Bank the account I had for many years in 2020 I moved to XXXX  and I left In the account around {$5000.00} that time there was the covid and I did not use the account, then I went to XXXX for a years and half, when I come back I needed money so I tried to open my online account and it did not work, I called and all the operators where overseas in XXXX  there is no Citibank branch, okay they helped me to get the new online account open when I found out they where withdrawn money every month from my account the exact amount I do not remember but it started since 2020 I think, I was vey frustrated and upset, the account was fine I had the money also before I left XXXX XXXX they warranty in the bank that they money where enough and there was no fine to pay at the end of the month, so i start to complain about the money missing in the account but they did not want to help me because they said the account was dormant and they had all the right to take my money every month for two years they where withdrawn money and they refused to help me, their excuse was the account is dormant and to be helped you got to go in a branch but XXXX  has no Citibank branch, I moved from XXXX  I am in XXXX  right now, I was very upset calling every day for hours talking to different people for a month e more then they took more money they did not stop taking the money from the account I was outraged thery want help and they did not stop taking money from the account and they refused to give me the found that they stole from me because they said they had the right to take the money because was dormant, So i closed the account and they send me the money where left in the checking and the saving, but I never got the money they stole from me for two years or so, I forgot but was around {$50.00} a month I don`t remember the exact amount I know only that I was alive and the covid took dear people from me, Citibank acted like thieves and they refused to help and reserved the right to steal the money from the account pretending they had the right.
Product: Student loan

Navient continued to push forbearance for my student loans with both XXXX XXXX XXXX XXXX and XXXX XXXX University. Navient never disclosed the best options for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Equifax several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX XXXX Bankruptcy Court
Product: Debt collection

I did not authorize to consent nor benefit from the listed account ( s ). Block and Remove
Product: Credit card

I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.
Product: Credit card

I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to XXXX XXXX XXXX, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transunion about late payments showing up on my account when it's been current. Also they are reporting that I'm XXXX late when that's incorrect. I supplied them with receipts and emai verifications and the item remains on my credit report as verified.
Product: Debt collection

Not my debt did not subscribe to XXXX XXXX of any other magazine
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 



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