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

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called XXXX multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.
Product: Student loan

One of the companies handling my loan, XXXX, proactively stopped requiring payment due to forbearance from COVID. My other servicer, AES, did not, so I applied for forbearance from them as well. They denied my request and continue to bill me.
Product: Mortgage

On XX/XX/XXXX I mailed out XXXX money orders to the Ocwen processing center in XXXX Texas. One for {$1000.00} another for {$580.00}. The money order for {$1000.00} was received and processed. The {$580.00} money order was not. I assume they must have been stuck together. I contacted customer service and they stated that payments received on Saturday 's are processed by machine. I contacted Ocwen 's research department, but they could not find the money order. I contacted Ocwen 's ombudsman office and spoke with XXXX. I told her that the post office has a 60 day policy for investigating whether or not the money order had been cashed. This was XX/XX/XXXX. During this time period of 60 days XXXX tells me to continue making payments until the investigation has concluded. I make a payment for {$1500.00} on XX/XX/XXXX which was received and noted to my account on XXXX XXXX, XXXX I receive a check from the post office on XX/XX/XXXX I mailed the {$580.00} amount along with a payment of {$1500.00} these payments were returned with a letter stating insufficient funds for reinstatement. From XX/XX/XXXX- XX/XX/XXXX I tried to contact XXXX but she does not return my calls. XXXX weeks have gone by. I speak with a rep in the ombudsman office and tell him my concerns. He states that possibly they can contact the cashier office, and bring the account up to date. He would have to talk to XXXX about this matter. XXXX weeks have passed finally I get to speak with XXXX. I explain what her associate tells me. XXXX ask what would I like for her to do? I suggest what her associate told me about updating the account. I mention to her about our conversation of the postal money order and the 60 day period, and the post office letter that I faxed to her. She says she would see what she could do. XXXX days later I get a response from her stating there is nothing she can do, the account is in foreclosure.
Product: Payday loan, title loan, personal loan, or advance loan

Loan total balance wont go down and yet Im making steady payments. I dont understand. It keeps accruing interest so the balance never goes down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  Balance : {$630.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Checking or savings account

I have a checking account with the Citizen Bank that I don't check very often. This week when I logged in to my online banking I realized that in XX/XX/XXXX, XXXX XXXX transferred {$5000.00} from my checking account, but I don't even have an XXXX XXXX account, this was an unauthorized transfer. 
In XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX transferred in total of {$2300.00} from my account, also unauthorized. 
In XX/XX/XXXX, XXXX transferred {$5000.00} from my account, but I have never opened an account at the XXXX. In XXXX, the XXXX deposited {$5000.00} back to my account while I was not aware of. In that month, someone used " Step transfer '' to transfer {$3100.00} from my account and I don't even know who and why did this.
Product: Vehicle loan or lease

Regional Acceptance Corporation ( RAC ) has reported incorrect balances to the credit bureaus. They aren't reporting my actual balance at the time that they report to the credit bureaus. They are submitting projected balances based on 20-day payoff amounts instead of the current balance on my account. Please note : None of the balances reported to the credit bureaus are on the account statements which also has a 20-day payoff amount. I don't know where there are getting their numbers from that they are reporting. 

Twice my credit score has decreased due to incorrect balance reporting. The first time their erroneous balance reporting decreased my credit score, I reported the balance discrepancies to RAC in a letter dated XX/XX/XXXX. On my XXXX and XXXX Report, RAC reported a balance of {$16000.00} for XXXX of XXXX and {$16000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. In XX/XX/XXXX RAC reported a balance of {$17000.00} and {$17000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. I disputed the balance issues with the credit bureaus. I have never missed a payment so my balance should always decrease and not increase. None of the balances on my credit report were my actual balances at the time that they reported it. 

I haven't notified RAC about the recent discrepancies and have a letter that I plan to send dated XX/XX/XXXX. On XX/XX/XXXX, I called the North Carolina Department of Justice Consumer Protection Department ( NCDOJCP ) and asked is a lender supposed to report to the credit bureaus my actual account balance or the 10- and 20-day payoff balance? The NCDOJCP informed me that the actual account balance at the time of the reporting is supposed to be reported. The actual account balances aren't being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.
Product: Debt collection

On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.
Product: Credit card or prepaid card

Three inquiries for new lines of credit were initiated in my name, fraudulently, between XX/XX/2023 and XX/XX/2023. The inquiries were attempted for XXXX XXXX ( one attempt ) and XXXX XXXX XXXX ( two attempts ). 

I have contacted Alliance Data, who provided me this information, and I informed them this activity is fraudulent. I have also placed freeze and fraud alerts with my creditors.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX account ( # XXXX ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on XXXX and XX/XX/XXXX ( 30 days late ) on both XXXX and TransUnion. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
Account Details : Account Number : XXXX Account Type : Installment ( Secured Loan ) Account Status : Closed ( TransUnion ), Paid ( XXXX and XXXX XXXX Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX High Credit : {$530.00} Balance : {$0.00} Last Reported : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX XXXX Date of Last Payment : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX XXXX Disputed Information : XXXX XXXX Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
TransUnion : Incorrectly reports a 30-day late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ).

Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency.

If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account.

Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights.

Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Fortiva charged a {$36.00} late fee to my account on XX/XX/2020. My payment is due on the XXXX  and it WAS PAID on the XXXX  but they refuse to correct it. I asked for account closure and they complied, however their mistake caused a 51 point drop in my credit score.
Product: Student loan

Enclosed is all the information that is attatched. I have called my loan several times in reference to lowering my payment to have a better quality of life and be able to live and not have to live with out any means of anything else. I am not able to move forward in life or even move on my own I have to rely on other people for a place to live in order to keep up with my student loans. I have tried to get scholarships to help me with my student loans and nothing. 
I do not know how you can help me but I would greatly appreciate it if you could. The student loans company resolution is to go back to school to hold off on payment for mt student loans, which doesnt help considering all it does it add to my student loans.
Product: Credit reporting or other personal consumer reports

There a lawsuit with Experian not not accurately disputing items on report. I have ask for several disputing investigations recently and in the passed. Please remove negative false infirmary on from my credit report.
Product: Bank account or service

I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank. 
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...
Product: Checking or savings account

On XX/XX/XXXX around XXXX ESt, I checked my online bank and saw {$3000.00} was taking away from my chase checking account. It is a joint account with my husband. But neither me or my husband made this transaction. I immediately reported this fraud to Chase and asked them to put a restriction on this account. The claim number is XXXX. At that time, Chase could not tell us what kind of transactions it should be. XX/XX/XXXX morning, I checked the online banking and it seemed someone went to one of Chase local branches and made a withdrawal in person with my identify. I called Chase again, and they informed the activity was taken place at their XXXX XXXX ( XXXX, NY ) branch. So, I went to our local police station and tried to file a police report. But the police station informed me that I have to go to Chase to get a bank letter and also get it notarized. Then I went to the Chase XXXX XXXX XXXX branch ( the money was withdrawn at this branch ) and reached out to their manager - XXXX XXXX. He provided the required letter - Unauthorized Signature or Forged Item Declaration. We also got it notarized. Finally, I went to the police station XXXX ( XXXX, XXXX, NY ) and filed the police report. The police report number is XXXX. On XX/XX/XXXX, I was told by Chase the decision should be made with 3 to 5 business days. I called Chase couple of times ; they always asked me to call later. Then, I called again on the 6th business day XX/XX/XXXX, Chase told me it is still pending, and asked me to call them on XX/XX/XXXX and I should know their decision. So today XX/XX/XXXX, I called Chase again, they asked me to call next week. I asked them what's happening, but they can not give me a solid answer about the process. Their supervisor now said the claim is up to 30 days. I don't think chase is making efforts to assist their customers to resolve the issue. I have been with chase for more than 10 years. {$3000.00} is a big amount for an individual like me, a normal working woman, I do need the money to pay my bill, support my family. But chase just does not care.
Product: Payday loan, title loan, or personal loan

Advance financial ive been paying this company for almost a yr and my balance has not gone down, i pay them around {$410.00} a month and only XXXX $ go towards the balance and the rest goes towards interest, ive asked over the ph several times to stop taking money fro. My account ive spoken with them several times on this issue, ive revoked ach and they're still deducting monies and every 2 weeks its a dif amount and i dont c any of my balance going down its just staying the exact same please help me with this issue thank u
Product: Student loan

I took this student loan, XXXX XXXX XXXX, in XXXX to finance part of my medical schooling. During residency, from XXXX, I deferred the loan payments by submitting paperwork each year. The loan was due to enter repayment upon leaving residency, on XX/XX/XXXX. I called University Accounting Service , LLC ( UAS ), the company handling the loan, in XX/XX/XXXX to find out about the details of repayment. They sent a status letter on XX/XX/XXXX as the loan was now in repayment, which stated the total loan amount ( {$12000.00} ), interest rate 0 %, repayment schedule of {$100.00} monthly, with the next payment due XX/XX/XXXX. Beginning XX/XX/XXXX, I paid the {$100.00} on the XXXX of each month without fail, with an extra lump sum payment of {$3900.00} in XX/XX/XXXX. The statements I received from UAS through XX/XX/XXXX ( dated XX/XX/XXXX ) had no issues- it always showed that I paid the monthly amount of {$100.00} with 0 % interest rate and had {$0.00} interest balance, and that my next payment of {$100.00} was due at the end of the month, next on XX/XX/XXXX. 

Unexpectedly, this month, I received a past due notice of {$230.00} ( generated XX/XX/XXXX ). When I called to ask what this was about, the representative stated that my monthly payments had increased in XX/XX/XXXX to {$130.00} per month ( this was not communicated to me at all, not by email, mail, or phone ), that my interest rate is 6.25 %, and that interest had been accumulating all year at this rate even though their monthly statement documents showed 0 % interest rate from XX/XX/XXXX through XX/XX/XXXX with {$0.00} interest balance as of XX/XX/XXXX. 

She was unable to help me further and could only escalate by sending an email to a supervisor. I called 4 more times that week in an attempt to speak with a supervisor to understand what was going on with the loan payments, each time being told that no one was available to help me and that someone would get in touch with me in several days. During the last call, the customer service representative hung up the call without completing it. 

When I investigated the interest rate, I found that the prime lending rate in XXXX ( when the loan actually entered repayment after being deferred during residency ) was 3.25 %.