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

I am formally disputing the reporting of the following student loan accounts on my credit report. These accounts, though marked as " Paid and Closed '' or " Deferred, '' are creating undue complications during the mortgage underwriting process and reflect inaccuracies, duplications, or unverifiable information. 
Additionally, my personal information was compromised in the XXXX data breach, and I have reason to believe these accounts may have been impacted. Under federal law, I am requesting a thorough reinvestigation and the immediate deletion of these accounts from my credit report.
Product: Debt collection

XXXX, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CREDIT CONTROL SERVICE : XX/XX/XXXX -- -> XXXX -- -> {$1500.00} XXXX XXXX XXXX XXXX  : XX/XX/XXXX -- -> XXXX -- -> {$1500.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$710.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccuate or incomplete or can not be verifred, the consumer reporting agency shall** ( i ) proptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ever since I started using Zelle to send money to others I feel like my account started to become hacked and their has become an increase of fraud to my account, Ive had to change my debit card a couple of times because theres been several unauthorized purchases on my account. I feel this problem occurs after every time I use Zelle, XXXX or XXXX XXXX
Product: Debt collection

I got a XXXXXXXX XXXX loan back in XXXX I paid XXXX back in XXXX than they later took my whole check which was XXXX dollars. This loan has been on my credit since XXXX we are now past XXXX years of that loan and it still on my credit report. I paid XXXX times what the loan amount was and it is too old for it to still be on my credit report. I have filed XXXX disputes which they have verified information I provided is true and correct with XXXX but it is still on my credit report. Can this please be removed as it is too old to still be in there and I have paid more than XXXX times the loan I originally got back in XXXX.
Product: Debt collection

On XX/XX/year>, a gentleman came to my door and my daughter answered. He was serving paperwork that stated it was from XXXX Bank. My daughter accepted the paperwork, showing that I have 14 days to contact the local courts or the attorney listed. I contacted XXXX XXXX courts and they told me I needed to contact the creditor company. I contacted the Attorney and was transferred to a telemarketer who said I had XXXX payments to pay off the debt of {$9100.00} or a judgment will be marked against me. The attorney 's name is Moss Law Firm XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late. 
The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I paid my auto loan of {$620.00} through Ally Financial 's bill payment app. The app crashed upon my submission of the payment. I did not resubmit because of the chance of a double charge and I believed the payment went through.The payment did not get posted and I was given a 30 day late on my credit report. Once I realized the money never left my account and the payment was not received I called to fix the error. Ally said they would put a dispute in and let me know the result. They contacted me and said their app didn't receive my payment and they couldn't remove the late payment. I spoke with managers and they said they would try to help me. I was sent to several people and none helped me resolve the matter. I pay my bill consistently. Still no one would see my side. I kept being told that the tech team said there was no issue with the app. How would I know if that is true or not? On top of that, the late payment is being inaccurately reported on my credit report. XXXX  has it for XXXX, while XXXX  and XXXX  has it reporting late for XXXX. Attached is the payment history from my credit report showing the inaccuracies.
Product: Credit card

In XXXX, I faced medical hardships and informed Discover Bank leading to the closure of my account. In XXXX, it was marked as a charge-off on my credit report. According to IRS Publication 4681, if a creditor forgives a debt of {$600.00} or more, they must send me and the IRS a Form 1099-C, but never receive it. Despite multiple attempts, Discover 's CBO Department informed me that the form was generated in XXXX, and each time I request a copy, they say a third party will mail it to me within 7-10 days. This issue has hindered my ability to qualify for lower medical payments for XXXX XXXX XXXX XXXX XXXXXXXXXXXX and for affordable housing. Additionally, the IRS has informed me that the longer I delay amending my XXXX return, the more penalties and interest I'll incur. Despite providing my updated address and phone number, the issue remains unresolved, and I need assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following accounts inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have these accounts stated below UPDATED and CORRECTED : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used XXXX as my credit monitoring service for several years and in XX/XX/2022 I notice that XXXX, XXXX, and Equifax had stop reporting my credit score through the XXXX Credit application even when I was paying the premium charge to XXXX every month. So, since they couldn't seem to fix the problem I down grade to the free XXXX app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the XXXX app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from XXXX or Equifax. I reached out to XXXX and Equifax and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from XXXX  Escalation service stating that they believe that my information does not add up to what XXXX or Equifax may have. I have on several occasion reported that Equifax put the correct address and XXXX as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX Credit Acceptance Corp. This lender issued me a 1099-C for canceled debt, meaning the debt was forgiven and should no longer be reported as owed. However, they continue to report the account as a voluntary repossession, which is misleading and damaging to my credit. With also the amount owed being at {$17000.00} which is incorrect. I have disputed this with XXXX XXXX XXXX XXXXXXXX but they have not corrected it. I am requesting the removal of this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. The contract had me as a primary and I never attend the school. Im a XXXX XXXX  and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a XXXX, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.
Product: Credit card

I payed off my Capital One Credits cards in full on XX/XX/year> and was notified on XX/XX/XXXX that both of my credit cards accounts were closed. 

I have since received several collection calls from capital one and have also had several late payments ( 4 as of right now ) reported on my credit. 
I reached out to capital one for account closer conformation again on XX/XX/XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report I noticed an Inquiry made by UNIVERSAL CREDIT SERVICES. 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, uploaded, and called all three Bureaus. XXXX said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Mortgage

I was in Chapter XXXX and 4 or so months before finished XXXX XXXX sold my loan to Select Portfolio Servicing. Now Select isn't taking my last two months payments and say I am behind about 22 payments ( {$80000.00} ) and need to pay that before they will accept payments and stop foreclosure! I haven't miss a payment in 5 years and have copies of cleared checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from transunion and XXXX? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!
Product: Mortgage

I have been struggling to pay my mortgage due to a financial downturn and tried working with the lender to no avail. They canceled a modification they offered due to an error and would not help. 

But worse -- which is why I am now filing this complaint -- is that on XX/XX/2018, the Illinois Hardest Hit Fund approved the underwriting of my application for financial help and they contacted Nationstar to start the process for Hardest Hit to pay off the arrearage owed. It has been over a month, however, and Nationstar has STILL not responded to Hardest Hit to resolve this matter! I have called Nationstar almost daily since XXXX to get the status on this and the customer service people keep telling me they cant see anything in their computers and that the only department that can, internally, has not responded to the customer service operators ' " escalation '' emails to them. So customer service just keeps emailing this department, over and over, to no avail. 

I keep getting new bills from Nationstar/Mr. Cooper, going higher and higher, with skyrocketing attorneys fees, but NOTHING about this Hardest Hit payoff approval.

Today, when I again called, Nationstar/Mr. Cooper gave me the same story and also told me they are SELLING the loan to XXXX XXXX on XX/XX/XXXX!!! This is unbelievable. A total scam, they are trying to run out the clock to take my home. Why have they not responded to Hardest Hit of Illinois to get the back balance paid off and end the foreclosure?!?!?! Their sale of my mortgage to another company will now only delay things even further and jack up attorneys fees even higher!!!!! 

I think what Nationstar/Mr. Cooper is doing, not timely responding to Hardest Hit, and then surreptitiously transferring the loan in this fashion, must be illegal. 

Any help you can provide, ASAP, is much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/Nelnet is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.
Product: Debt collection

I have no contract with this company they continue to impact my credit history and keep adding additional intrest rate. XXXX and XXXX is connected. I am aware of the current lawsuit. I want this removed I was affected by the breach as well. I do not owe them a dime.
Product: Debt collection

I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Purchase a account from XXXX XXXX  that I never had in the Amount owed of {$5800.00} in XX/XX/2023 and its reporting on my credit report..I reach out to the company for a validation letter and signed contact no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX, Trans Union and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, Trans Union and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Product: Debt collection

I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). 

On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. 

Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. 

As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.
Product: Debt collection

Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.
Product: Checking or savings account

This is to follow up on Complaint ID XXXX with XXXX and XXXX a new complaint with JPM Chase. 

On XX/XX/year>, I discovered that, check no. XXXX in the amount of {$2000.00} that I had issued from my XXXX account to XXXX XXXX XXXX XXXX had erroneously cleared my account on XX/XX/year> with a forged endorsement on the back of the check. I immediately reported this fraudulent activity to the XXXX and filed a police report with XXXX XXXX. Due to XXXX 's lack of cooperation in resolving this fraud case and their unprofessionalism in handling this situation, I went to Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/year> and requested assistance from the Branch XXXX. She was kind enough to call Chase XXXX Department to follow up on my case filed ; however, she informed me that Chase can't help me as this was a check issued from my XXXX account. 

On XX/XX/year>, I received a call from XXXX XXXX at XXXX. According to the information provided by the Detective, this check was attempted to be negotiated at a Chase ATM in XXXX XXXX, CA ( see attached image provided by BPD ). When the said check was presented at Chase, Chase immediately contacted the account holder ( i.e. XXXX XXXX ) to confirm whether the account holder is in possession of her debit card ; XXXX XXXX informed Chase that her debit card was stolen and her account has been compromised and she did not deposit a check payable to XXXX XXXX XXXX XXXX to her account. No loss was taken by XXXX XXXX as Chase immediately froze her account ; therefore, there was no need to attempt to recover my funds as Chase did not honor the fraud endorsement in the first place. 

To this day, XXXX has failed to provide investigation updates with Chase or a provisional credit in my account claiming " for all endorsement forged check disputes, the bank of first deposit, JP Morgan Chase, is responsible for investigating and resolving the claim. There is a XXXX day time frame that all institutions try to adhere to when investigating these claims. However, it is not a legal and/or guaranteed time frame [ and XXXX has XXXX no control over how quickly they can provide a resolution. '' Due to financial hardships, I have been incurring fees and penalties for delayed payment. 

This check should have never cleared through the Chase ATM as it was evidently payable to XXXX XXXX XXXX XXXX with a Policy number on it and should have never passed through the bank 's review channels. 

This letter serves as my official notice to JPM Chase to provide update as to where my funds are and demanding my {$2000.00} reimbursement.
Product: Money transfer, virtual currency, or money service

PNC gave me a XXXX credit card and did not tell what itwas for or how to use it. 

I was told one day that my account was past due.

They then told me that a balance transfer was made with XXXX XXXX Bank. 

I knew this bank since it was with my XXXX credit card account. But contacts with XXXX they said no balance transfer was made. I reviewed the statements of XXXX and they do not show a transfer. I asked for an explanation and they could not give me one. 

The amount was XXXX and I know I did not have that much money in XXXX. 

We are seniors I am XXXX and my wife is XXXX and they keep pushing us around and not trying to answer our questions. Thus this effort. Please help!
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency 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 1681e ( b ) and 15 U.S.

Code 1681i ( 5 ) these account are in violation of not reporting 100 % accurate.