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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account XXXX : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$6100.00}. 
o Equifax reports a high balance of {$5900.00}. 
2. Last Verified Date : o XXXX : XX/XX/XXXX. 
o XXXX : Not reported. 
o Equifax : Not reported. 
3. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
4. Date Reported : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
5. Account Description : o TransUnion : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Amount in high credit original charge-off amount. 
6. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
7. Days Late - 7 Year History : o XXXX : No late payments reported. 
o XXXX : 60 days late once, 90 days late once. 
o Equifax : 60 days late once, 90 days late eleven times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

SincerelyXXXX 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

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX systems account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019i sent Equifax a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Equifax & XXXX XXXX XXXX XXXX XXXX XXXX  have not responded
Product: Credit card or prepaid card

I received a promotional offer via email ( attached ) on XX/XX/23 to earn XXXX points on my TD Double Up credit card for making 5 digital wallet transactions by XX/XX/23. I completed those five digital wallet ( XXXX XXXX ) transactions on XX/XX/23 but have not received the bonus points despite waiting well past the terms of the promotion that said " Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. '' I sent a secure message on XX/XX/23 requested the missing points be credited, but did not receive a reply. 

I followed up via another secure message on XX/XX/23 and received a generic message about how to manage my reward points online and not addressing the problem.
Product: Student loan

I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a XXXX loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my XXXX XXXX and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my XXXX XXXX negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have been fighting a fraudulent charge with chase since XX/XX/XXXX and finally after a year of getting the run around and documenting every phone call and transfer to different departments I sent the below letter with still no resolution. 
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXChase Bank Fraud DepartmentXXXX.XXXX XXXX, XXXX XXXXChase Card # closed card XXXX XXXX XXXX XXXX member since XX/XX/XXXXDear Sir or Madam : I am writing to dispute a fraudulent charge of {$5700.00} on my account, and posted on between XX/XX/XXXX-XX/XX/XXXX. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 
I have provoded most of the communications with your bank and some other details. Most importantly is the copy of the forged check with my credit card signature next to it, showing a CLEAR FORGERY! 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, XXXX XXXX bank states as their defense these following sentences .... 
You confirmed your husband, XXXX XXXX, wrote the check. 
You added XXXX XXXX as an authorized user on the account on XX/XX/XXXX. 
The access check was written on XX/XX/XXXX. 
XXXX XXXX was authorized to write the check. 
Their assessment that he was authorized is completely false! He was NOT authorized to write the check and he WAS NOT AN AUTHORIZED USER UNTIL AFTER IT WAS CASHED! I am a victim of financial abuse and was advised by my divorce attorney to NOT seek action UNTIL the divorce was final and I was away from him. I kept copies of everything while i was in hiding and used a po pox from then on to protect myself from him. This is NOT the only card of mine he forged, there are many and my attorney through the abuse organization I am seeking help with advised me to go this route before utilizing a professional. I repeat Chase bank states XXXX XXXX WAS " AUTHORIZED '' TO USE THIS CHECK. Who gave him authorization? He new my mothers maiden name, the strret I grew up on, my social security number, my first pet and everything he needed to have someone act as me on his behalf AFTER HE FORGED MY NAME. Forgery is a crime punishable by law! Chase bank should be an accompliss to this forgery. If he WAS AUTHORIZED USE WHY DID N'T HE SIGN HIS NAME? 
I was advised by my divorce attorney to keep making payments so that it would not affect my credit. The burden became too much since he was not paying child support I had to eventually stop paying it and worry about my credit after all of this was over. Now my part time job is repairing my credit completely ruined by this man. My credit was excellent until a few years into the marriage he starting stealing from my credit cards and my business checking account. It is your duty to protect me. I need your help!
Product: Payday loan, title loan, or personal loan

I applied for a loan online on XX/XX/XXXX and received an email stating that my application was approved on XX/XX/XXXX. The email stated I had 3 days from the date of this " confirmation email '' to cancel the loan by calling their customer service toll free number. I tried to call numerous times throughout the day to cancel the loan on the day I received the confirmation email, XX/XX/XXXX. No human ever answered at their customer service number. Instead, I was asked to leave a voice mail. I left a voice mail and recorded the call on my end stating that I wanted the loan cancelled and to not under any circumstances deposit funds into my bank account. No one ever called me back. I emailed customer service demanding that they cancel the loan and expressed my frustration that no one answers their " customer service '' line. I eventually got an email response saying that the loan first had to be deposited into my account before the loan could be cancelled and that it could take 2 business days for the funds to show up in my account. I replied to that email stating that I emphatically did not want any funds deposited into my account and to cancel the loan. At that point, there was no further communication. I am filing this complaint here, have filed a complaint with the XXXX and have filed a complaint with the MS attorney general 's office. I am fully aware that Leap Credit is a predatory lender but to not be able to cancel the loan as advertised, hassle free, and avoiding any charges, interests or fees is totally unacceptable and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a check to XXXX XXXX and had it was declined. I was shocked as I have had my account for almost 20 years and never had a returned check. When I called Certegy, the company used by XXXX XXXX to " approve ' the check, I was unable to reach a live person for a response. I then went online and the response indicated there are several factors and that ultimately XXXX XXXX is responsible for the check cashing guidelines set ; however, I could obtain 'more information ' but they would need items such as my social security number to provide that. My social security number was not used in making this transaction/decision and should not have been a factor or needed to provide a response. 
I then contacted XXXX XXXX and requested a written copy of the guidelines set by their company and was unable to obtain a copy. XXXX XXXX indicated that Certegy for was wholly responsible for the guidelines set. 
As previously stated, Certegy 's response was vague and did not provide guidance related to the specific reason for denial and how it pertained to my prior check writing history. Certegy ultimately put responsibility back on the retailer. I did not consent to Certegy obtaining any of my personal information so it is unclear what information they used and how it was used and I did not feel comfortable providing information that I did not provide to make the check writing decision so that they could provide additional information. My prior history writing checks at XXXX XXXX, the length of my deposit account and my check writing history would not be a reason for denial as I have never had a returned check to XXXX XXXX or on my account. 
Certegy Reference # XXXX Date XX/XX/2023
Product: Student loan

I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be 7 years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank # xxxxxxxxxxxxx XXXX, XXXX - XXXX SERVICES 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Shellpoint Mortgage Servicing purchased my loan from XXXX XXXX approximately sixteen months ago. Upon receiving the loan, it was one month behind due to XXXX XXXX not including it into the COVID Relief Forbearance I applied for in XX/XX/2020. As a result, late fees and others penalties were attached to the loan for that month. Once Shellpoint got the loan, they attached additional fees, despite me notifying them of the circumstances surrounding the missed payment. In XXXX, I became aware of a missing XXXX payment to Shellpoint, after my payment was returned to me due to them starting the Foreclosure process. I have spoken to Shellpoint several time in an attempt to rectify the matter. I currently have the missed XXXX and the XXXX payments, but they refuse to take it and apply it to the loan. Also, during the short amount of time that they have had my loan, the payment amount has increased three times, causing each monthly payment to be considered as late because they weren't paid in full for that month. Please, PLEASE help me...
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
Product: Mortgage

In XXXX, I was notified that my loan was being transferred. I called Carrington Mortgage to cancel all pending ACH debits attached to my account. Instead of cancelling all ACH debits, they continued to debit my account of almost {$1300.00}. I had already begun making payments to the new mortgage company effective XX/XX/2020. I was told by Carrington they could not return the money to me even though it was their fault all of the ACH debits were not cancelled as requested.