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

I am writing to bring to your attention an issue regarding my credit report. XXXX XXXX XXXX has mistakenly reported XXXX late payments on my account ( Account Number : XXXX ) for the months of XXXX, XXXX, and XX/XX/year>2022. 

I have already disputed these inaccuracies multiple times. While XXXX has correctly updated my report to remove these late payments, both Experian and XXXX have failed to reflect these corrections. This discrepancy continues to affect my credit score and financial standing. 

These late payments are inaccurate, as I have maintained timely payments on this account. I kindly request that Experian and XXXX conduct a thorough investigation into this matter and promptly update my credit report to reflect the correct payment history. 

I appreciate your prompt attention to resolving this issue. Please confirm receipt of this request and provide an update on the status of the correction as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.
Product: Mortgage

In XXXX of XXXX, my mortgage was transferred from Stearns Lending , LLC to Guaranteed Rate , Inc. I started forwarding payments to Guaranteed Rate in May, as per the notice received. I talked to an agent to find out what was going on and to make sure they got all of my information from Stearns, as well as my Loss Mitigation paperwork. My Payments were {$730.00}. Payments went smooth, as planned. On XX/XX/XXXX, I received a notice in the mail that my mortgage was transferred, yet again. This time, from Guaranteed Rate , Inc ( subserviced by XXXX Mortgage ) to Guaranteed Rate, Inc. ( subserviced by XXXX XXXX XXXX ). Payments start on XX/XX/XXXX going to XXXX. The payment amount due per notice is {$730.00}. My XXXX payment got kicked back to my bank. I called customer service. They could not find my account. They told me that it just may not be in the system yet and to try again after the holidays and that I could not be penalized due to RESPA. I tried paying twice more after the holidays. Both payments kicked back. I called customer service and they told me to call XXXX. I did and went over my account. The agent told me that they have not received a payment since XXXX and that my mortgage would not be transferred to XXXX until XX/XX/XXXX. She told me to call and find out what I owe because she couldn't tell me because they don't have my entire account. 

I have been unable to contact anyone by phone. When they call me, I am either working or no one is on the line when I answer. It just hangs up. I got an email from XXXX stating that my transfer was supposed to occur but it was stopped and she doesn't know where my account is. 

As of today, I have been unable to pay my mortgage due to technical errors and no one can tell me where my account is or what my Loss Mitigation terms are or where my money is.
Product: Credit reporting or other personal consumer reports

I keep putting in complaints because I am the victim of identity theft as you can see in the attached documentation thats below XXXX XXXXXXXX SENT ME A LETTER SAYING A CARD WAS OPENED FRAUDULENT PLEASE REMOVE IMMEDIATELY I GOT A COPY OF MY CONSUMER REPORT AND STILL SEE XXXX XXXXXXXX REPORTED ON MY REPORT I ALSO PUT A COMPLAINT ABOUT XXXX XXXX LATE PAYMENTS AND ITS AGAINST THE LAW TO HAVE SOMETHING NEGATIVE REPORTED THAT I DONT WANT THAT INFO SHARED NO WHERE PUBLICLY WITH OUT MY CONSENT
Product: Debt collection

Wakefield & Associates has contacted me about a debt that does not belong to me and at this point they have reported it to the credit bureaus which have negativly affected me. I have tried to contact them on a couple occasions. I have no knowledge of the debt that they claim I owe.
Product: Student loan

XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I reported and had 4 account closed that were not mine back in XXXX  and they are still on my credit report damaging my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!
Product: Debt collection

I am writing to request your help and notify that my rights are not being respected. I have an account with Flagstar Bank ac # XXXX, opened date XX/XX/2017. This company is reporting inaccurate information on my account. I have never been late on this account. I want to explain why are committing multiple violations to the FCRA. 

I must say that I tried to solve this big issue with them. On date XXXX, I sent a dispute notice to Flagstar. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED, as required by law. They even sent me a letter stating that theres nothing to investigate or correct and that they were not going to continue with the process. 

They are being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is another violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. They are also committing BREACH OF CONTRACT and the list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights and I am not the only one that is being affected ; this is a joint account ; therefore, another person is being affected because if this UNFAIR BUSINESS PRACTICES of Flagstar Bank. We have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Flagstar Bank refuses to provide a deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED : 1. Letter sent to Flagstar bank ( and proof of fax ).

2. BANK STATEMENT as proof of funds at the time the payment with Flagstar Bank was due. Proving this was not a money factor or even worst that I did not want to pay.
Product: Mortgage

I had my first mortgage with XXXX XXXX modified in XXXX of XXXX with a XXXX Loan. I contacted my second mortgage lien with Citi Mortage in XXXX of XXXX to find out if they were going to modify my loan with the same terms. I contacted my Home owner 's support specialist at CITI XXXX XXXX at XXXX who stated that Citi Bank should have modified my loan automatically in XXXX with the same terms as my first Mortgage. She said it usually automatically done when they are notify by the XXXX. Citi Mortgage failed to automatically modify my first mortgage in XXXX and now are making me re apply for the XXXX LOAN and resend all new paperwork and application. I am worry because I understand that XXXX will expire in XXXX XXXX. My understanding with the XXXX rules is that the second lien should be modify as soon as the first mortgage is approved with XXXX without having to re apply.
Product: Checking or savings account

I have submitted this complaint before. It was not handled properly. Please help me getting my money back. 
In XXXX, I visited a business, paid via XXXX in PNC app. The business said the transaction did not go through and they showed me their phone. It showed on my end, it did go through. I called PNC right away to stop the transaction or freeze funds. The Rep told me to just dispute the transaction. I did so per her instruction. I got a letter saying the dispute was denied. I escalated. I got a call today, XX/XX/22, and the Rep said a bunch of meaningless words, XXXX XXXX, and nothing was changed. I don't know what their investigation consisted of. Also, a bot, at the end of the online chat asked me if I wanted a chat transcript, I supplied my email, never received it. XXXX!! Pitiful business practices! They don't care about their customers!! I see they have poor reviews from other customers too. 

XXXX XXXX XXXX ) XXXX My checks are under XXXX XXXX at the bank.
Product: Credit card

TJX Rewards card ending in XXXX Closed the account and sent final full payment of {$93.00} via check using bank bill pay. They sent it via snail mail. It was sent out on XX/XX/XXXX. 
Due date for the bill was XX/XX/XXXX which is a Sunday. 
Payment was credited on XX/XX/XXXX which is a Monday. 
I believe that the XXXX Credit Card act requires that if a due date falls on a weekend, particularly if it is sent through the mail and therefore can not be delivered on that day, that the next following business day is the actual due date. So, in this case, the actual due date should have been Monday, XX/XX/XXXX. I could be wrong about this, but that is what I understand. 
They 'waived " the late fee of {$27.00}, and also removed the {$1.00} they charged us for sending us a paper bill, but they said they could not remove the interest for {$2.00}. 
It is not a lot, and I have sent in the payment, but if what they are doing is illegal I think they should stop. 
I also would not mind getting the {$2.00} back on principle. 
Thanks for all you do!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrect information. A bankruptcy was filed on XX/XX/2024 and The acct was included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX
Product: Debt collection

Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt
Product: Debt collection

I am writing to dispute the validity of the debts referenced in the collection accounts reported on my credit reports. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debts as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

On XX/XX/XXXX, I successfully opened a checking account and a savings account with Capital One. I also deposited {$50000.00} into these newly opened accounts. 

Around a week later, when I called Capital One 's customer service to access my account details through a third-party tool, I was informed after being on hold for XXXX minutes that Capital One had decided not to do business with me in XXXX. 

When I inquired about the reasons behind this decision, I was told that there was a case reviewed back in XXXX which led to the determination that Capital One would not offer any services to me in the future. However, no further details were provided despite my repeated requests for clarification. On the contrary, I got a car loan from Capital One in XXXX which ended in XXXX. I never failed to make a payment, was in any debt other than a house loan, and have maintained a very good credit score of XXXX for 25 years. 

Before I could even submit a complaint online after our phone conversation, Capital One locked my online access to the accounts. 

I expressed frustration and disappointment with Capital One 's lack of coordination and transparency, as they allowed me to open new accounts and accept a {$50000.00} deposit, only to later deny my services without a clear explanation. I mentioned losing over XXXX business days ' worth of interest on my {$50000.00} deposit and wasting valuable time due to Capital One 's mishandling of my accounts; but they abruptly ended all kinds of discussion with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Product: Credit reporting or other personal consumer reports

XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only Equifax honored my request. I would like for student loan information to be removed from all of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up on the Experian application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove this fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

strange and unfamiliar account pops up on my report. I wrote both the credit buraus and the collection agency about it and they both sent me the same computer generated information which only shows my address matched to these false accounts. I have written them again and requested a real debt validation and not some e-oscar varification print out. Have n't heard back from neither.
Product: Debt collection

I am submitting a complaint against XXXX XXXX XXXX XXXX for illegal debt collection practices and violations of federal law. On or around XX/XX/XXXX, this company reported a medical debt of {$730.00} to credit bureaus without providing me any prior written notice. This action constitutes " debt parking, '' which is prohibited under the Fair Credit Reporting Act ( FCRA ). 

Additionally, they reported medical debt after XX/XX/XXXX, when the CFPB finalized a rule banning the inclusion of medical debt on credit reports. The company failed to provide the required debt collection disclosures mandated by the Fair Debt Collection Practices Act ( FDCPA ). These actions have significantly damaged my credit score and violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX  XXXX, XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, Equifax and XXXX to remove public information from my personal credit file effective immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).